If ghosts are disembodied spirits of the dead, though, then all bets are off.
Allow me to chuck in some extra suggestions:
Ghosts as infrasound, triggering subconscious fight or flight response.
Ghosts as a triggering of scent memory. Our olfactory senses carry a powerful ability to trigger memories, and it is possible that rather than a stone memory, that in fact what is being recorded is the hormonal release of a terribly traumatic experience, that then impregnates the local surfaces.
Ghosts as environmental poisoning. Just as poisons can easily make people hallucinate, why wouldn't some local toxin potentially make people hallucinate that they have seen a ghost?
Ghosts as schizophrenic episode. Sometimes brains misfire, and we wind up having waking dreams where we react to things that seem real but aren't there.
Ghosts as electrical disturbance of the brain. The classic example is the 1980s red LED alarm clock that used to cause sleep paralysis, the discovery of which led to the field of Neurotheology.
Ghosts as simulacra. When seen in the dark, sometimes objects in shadow become menacing and take on the shapes of threatening or supernatural things. Our brains, ever vigilant for threats, trigger our fight/flight response, and suddenly we can't see that the leering crone in the back yard is actually an old sack of potatoes in a wheelbarrow.