A question to ponder

I will happily read fantasy set in a world that is clearly not our own.

I will happily read fantasy that is set in our world (think, say the October Daye or Incryptid series by Seanan McGuire).

I will happily read science fiction that incorporates FTL travel and communication, even though I know better.

And yet a set in our world ghost story?

Nope. I'm not able to suspend belief to that point.

I can't put my finger on the disconnect in me.