you make a good point. And I also certainly would not be afraid of ghosts in an old house. I would be afraid of the unknown and unfamiliar places.
but at the same time, what is interesting to me, is that most of us can get scared by horror films or movies about ghosts. so if you get scared by a ghost in a movie, could that mean you believe, at least for a moment, in ghosts? or would it simply mean that IF ghosts existed, you would be afraid of them.