I found that only some software and some web browsers work with the XWebCam, and those that do typically need to have an update.
I think the Zoom App most recent works fine, and MS Teams *inside Chrome only* works, but MS Teams native app doesn't work, nor does MS-Teams in other browsers like safari. That said, the post above about forcing permissions on MS Teams may point at a general issue with what needs to be changed with apps -- i.e. the need to access the removable storage which I guess is how the streams are shared.