It is perfectly normal for a perfectly normal girl (even a hot one) to be scared of ghosts. Because all girls are scared of Ghosts.
I have heard a lot of people say that know someone who have seen a ghosts, and I also know a couple who have seen some strange stuff. In high school, we used to wake up late nights, go to haunted places. Mostly I came across only cats, foxes, gush of wind, etc, mostly cats .
One of my friends, who was perfectly normal and pretty brave too. He saw a ghost. Then being the brave one he picked up a brick and threw at him, and the ghost ducked according to him. And then he passed out. He was never the same afterwards. Left school. I was in a Boarding school
Also in the same school (the locals say that this was a tribal burial ground long time ago, but during the construction of some building, all they found were animal bones) but in a particular location where a new building came up, the construction laborers say that they see ghosts at night, when we were in vacations. Apparently the ghosts don't appear when there were lots of students in the campus, but again I didn't see any. We went to the place lat at night.. little scared, little excited. lol
The only paranormal activity that I came across close to me was when one my cousins went crazy. Like a ghost took her over, like in exorcist.
She was a really shy kid, but all of a sudden she would become a different person and become extroverted. And then she started speaking a strange language.
We took her to all sorts of psychiatrists and was under medication. Could never cure her. Her mom also took her to exorcists and all shit, and we found out that the language she was speaking was some tribal dialect. She had never come across any such tribals, but she once went to a school camping/picnic to a place where these tribes live, or once used to live, I forgot.
She got cured as sudden as she got it. Her mom said it was some exorcists. lol
me and my dad still talk about it and we both are still between believing the whole shit and thinking her whole family is nuts.
PPS; But remember that most ghosts stories are made up. I have made up my own share of ghost stories to scare hot girls. Not the above story though..