I'm too much of an atheist to even suspend my disbelief for fantasy themed fiction, and I know that ghosts don't actually exist.
But I wouldn't be able to. I've always had an immense fear of imaginary things ever since I was a child. I'm 22 and I still sprint up the stairs because I imagine that Leatherface is chasing me up it, still am afraid of jump scares whenever I walk past dark doorways, and I still wish there was a good way to cover your whole body with a blanket AND get fresh air without having to lift the blanket.