Maybe that's misguided and naive, but I pretty much trust my phone to protect me from bad actors taking over the camera; I'll have to trust the apps I use that have camera access to not spy on me, but those are few.

Until relatively recently, any userspace app on my computer could freely access the camera and microphone, including background processes and malware, so that feels a lot riskier. There seems to be a permission for this that must be granted in the newer macOS versions, but I assume there might be ways around that.