All of the above.
Some sites they are shared on purpose of people in their homes.
Some sites are hacked cameras, which is easy to do if they don't change the password of their router isn't firewalled.
Some sites are staged-real (like reallifecams.com and voyeurhouse.tv). People are actually living there and such, but they move in knowing that they are on camera and getting paid to do it. It's usually Russia and eastern Europe college kids from the arts and theatre departments of colleges based on what I have been able to figure out. (But not always exactly that demographic.)
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