Nate Anderson at Wired paints a terrifying portrait of the sick world of webcam hackers, while also pointing out that such perverted snooping is within easy reach of even the technically unskilled:
Calling most of these guys "hackers" does a real disservice to hackers everywhere; only minimal technical skill is now required to deploy a RAT and acquire slaves. Once infected, all the common RAT software provides a control panel view in which one can see all current slaves, their locations, and the status of their machines. With a few clicks, the operator can start watching the screen or webcam of any slave currently online.
For Pete's sake, folks. Get yourself a webcam cover.