I'm cripplingly afraid of ghosts.
Lots of people are afraid of ghosts. What makes you think they are real?
You can't prove that ghosts don't exist.
For those that believe in ghosts, it is understandably a fearful thing. However, you should not allow something you fear to cripple your actions. Instead, ask yourself if you have ever been hurt by something unseen, and if not, you know that you are okay.
What if I'm kidnapped and killed by a ghost right now?
It sounds like your fear of ghosts is a major issue and impacting your life in a severe way. I think you should talk to a therapist about this fear you have. They can help you talk through it and to give you ways to help calm yourself when you feel afraid.