Where is the harm (no matter how ill-perceived the media wish this to sound) in any of these situations? The cameras are in place for a reason and even in public locations such as gyms etc there should be an expectation that the camera is on and SOMEONE can see it.
I have IP cameras at home to view my pets while I am away, and I can tell you half a dozen places where I would expect privacy for both myself and them and so HAVEN'T placed cameras there:
1. The bedroom.
2. The toilet.
3. The other toilet.
4. The cupboard under the stairs.
5. The Jacuzzi
6. The secret underground lair beneath the dormant volcano
Even if evil kiddy fiddlers can catch an eyeful of a blurry 320x480 image of a 7 month old sleeping in a crib in terrible IR mode, so what? You won't be able to tell the location of the household, or learn PIN number of the father's bank account!
Of all the situations where a password has been left as default, I can think of a lot worse!