1 {Mordekai, Lambert, Dwalin, and Draak explore the dark recesses of the cave.}
2 Mordekai: So, these ghosts. Do they have lots of treasure? Just out of idle curiosity.
3 Lambert: No! They're ghosts! They're non-materialistic.
4 Mordekai: You mean non-material.
4 Lambert: That too.

Whether they have treasure or not is, of course, immaterial.

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2023-11-11 Rerun commentary: It can be hard to convince people to accept ghost treasure in exchange for regular goods. They can see right through it.