I won't doubt that you and your nana are decent and trustworthy people, but it's still anecdotal evidence; if i came around with my uncle and we both claimed to have found Nidhogg's lair, you probably wouldn't believe us. But, even if it is true, it still leaves an awful lot of questions unanswered, and while i can accept that not everything can be answered as of right now, a big problem i have with this whole thing is that different cultures/religions have different answers.

This wouldn't be a problem if it was just a species of animal, since frogs look very different across the globe, and that is scientifically recorded. However, you can bring an african frog to Europe, and it'll still be an african frog. Ghosts are generally agreed upon to stem from humans in some way, and while humans vary significantly in appearance as well, this poses an interesting question: If a tourist died on a foreign continent, what kind of ghost would that result in? The person doesn't magically become native, so why should the ghost? And what about people with mixed heritage? All in all, it just seems to me like a matter of belief, not fact. That's where i jump off the wagon.