Why was Varginia indebted to the ghost?

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Please find below the solution to the asked query:

Virginia and the ghost were both indebted to each other. The ghost was indebted to Virginia because she was his salvation, whereas Virginia was indebted to the ghost because he proved to her that supernatural does exist in the rational world of her family. He also gave her the family jewels which helped her in establishing as one of the debutantes of society. 

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