Check out eBay. I got my first cam more than a year ago, less than $10 takes stills as well as video. Never had a complaint about refresh rate and it's still kicking.
I got one off ebay for 99p plus a few quid postage, it isn't the best quality in the world but there was no way I was paying £100 for a state of the art cam when I don't use it all that much.
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