This isnt anything realy webcam specific.
On a pc software is mostly allowed to do anything unless specificly restricted (Companies often restrict what users can do on their pc for this reason but most privat people never bother to that).
On phones software have to get permission to do anything that why they apps always ask you for permission after installing them. So if you dont give an app the permission to use your camera it cant use it (unless it somehow overcomes the OS security features which does happen but its kind of rare unless you are someone important).
So the easiest way for someone to get access to your camera on your phone is by having an app and you agreeing to give it access but as soon as its found out that this app does something bad its thrown out of the app store. Here is a little diffrence between iPhone and Android because apple is much more strict in what they allow on the appstore.
On pc you usually get software from a site and there is no single provider that could tell you hey this software is doing bad stuff.
This is to the general diffrences of phone OS vs computer OS but if someone realy wants to hack you specificly and has enough resoruces like state agencies there is practicly no diffrence between a phone or a computer and also no diffrence between apple, android, windows, linux and so on.
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