"It's only those that claim either claim to already know what they are, or that the phenomenon doesn't exist at all that I reckon are being irrational."
There are two problems I have with this statement -- firstly, I don't think it's true that people necessarily claim to "know what they are". Sometimes they do, but they'd be wrong. However, this isn't because the explanation(s) is (are) wrong, but because they can't really be tested.
Take one case on here so far, grasscarp's experience. One explanation that might exist is that she saw something vague (it was at night, so maybe a tiredness-induced vision?), and then mentioned the experience to her boyfriend afterwards, and together they managed to suggest to each other that it was his grandmother. The conversation might have run "Was it a woman you saw?" "Yes" "Did she have such-and-such a set of features?" "Hmm... yes I think so." And so the conclusion was reached.
Now in the first place I am not claiming that this is actually happened at all, so please do not the explanation above shouldn't be taken all that seriously. The thing about suggestion is that it's subconscious, though, so that neither grasscarp nor her boyfriend of the time would have been aware of it,. The point is that, while it's completely impossible for me to prove that this is what happened, I would have thought it equally impossible for grasscarp or anyone else to rule it out either. And even if she managed to prove it to her satisfaction, it would be very tricky to convince anyone else of that. Personal experiences are personal, so that they can be hard to share -- and so, for anyone else, they should be wary of taking personal experiences as actual evidence of something new. Having said that, again they are thought-provoking and I'm interested to hear them, think about them, and if possible to concoct an explanation. Since I can never really test it this is futile really, but it's still nice to speculate.
Most "ghost stories", I think, fall within one of the following categories:
- A rational explanation already exists and is known (and confirmed), but often overlooked by those who tell it;
- A rational explanation already exists but cannot be confirmed, leaving room for speculation;
- A number of rational explanations that already exist may apply to this particular tale, but with not enough known about the incident it's not possible to know which of these explanations is the relevant one, if any;
- It can be shown that no already-existing rational explanation can explain the incident.
It's amazing the number of stories that are still bouncing around that fit into the first category above of being already refuted (examples include the Bermuda Triangle); but many such tales almost certainly fit into the third category, which could be summarised as "not necessarily unexplainable at the moment, but unexplained". Given the nature of personal experiences, it's difficult to see this changing. There aren't that many experiences that need a new explanation either, at least none that I'm aware of -- again, because it is as hard to prove that it was due to this rational explanation as it is to prove that it wasn't due to that.
I think this is the fairest way of putting the sceptic's position. A sceptic can't explain all or indeed most of these stories, but that is more because of the nature of personal experience than because we don't have the explanations yet. So a sceptic doesn't have to be able to "explain these incidents away". I don't see why this can be thought of as irrational. It might even be the other way round: the implication that "I'm not aware of a rational explanation for this, therefore there isn't one yet" is questionable.
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In answer to the original question, I've had no experiences of the impossible so far. Rather like Ratter, I'd quite like to see this change.