@Vasqueztion Karen is not a disembodied ghost though.
(Plus one character might be worth the effort of drawing weird poses or things in the way).
The fully clothed ghost is a valid counterargument. She could be an outlier with some unexplained cause, but lacking such information I have to concede that your suggestion currently holds merit.
So my reworked theory for the cause of "gaggle of barely dressed ladies" is that a couple years back there was a frat party on the riverbank, and six(?) girls drowned when they went drunk skinny dipping (only in their underwear). Everything then got covered up due to some misunderstandings (or arranger cover-up) that meant it got mistaken for a cult mass suicide.