Believers in disembodied spirits: do supernatural beings watch us have sex and defecate?

So, you believe in the afterlife or whatever. You think some combination of ghosts, spooks, angels, gods, spirits, and/or other disembodied beings somehow exist. How do you reconcile that with the fact that you cannot see them, and they very likely can watch you in your most private moments? (Well, sex isn’t always a private moment, but most people like to defecate, masturbate, or urinate alone.) Is the “knowledge” that you’re quite likely being watched during an intimate or embarrassing moment bothersome for you?

For the disembodied wraiths haunting your bedrooms and bathrooms, is there some ethical consequence for their voyeurism – a consequence for them, that is?