Chaotic Neutral Wreckage
Yes, I do believe many stories are made up, but no, I don't believe he just came up with that one for attention.
I think that it's safe to say it's 50/50, like any "spiritual" belief (though I use that term loosely here).
I don't think Fallow was meaning that every single person (in this case, "religious" person) who claims to have a story is a liar.
Rather, it's most common to see liars when they have something to gain, and often that tends to go hand in hand with groups that go off of blind belief to determine faith.
I'm sure your ex was telling the truth based on your account, but that doesn't mean someone else was as well. In the end, the reason these sorts of things are so intriguing to us as people is because there's no surefire way to say who is right/wrong. It's entirely based on personal account and retelling, and in a day and age where science reigns supreme, having something still ultimately in the unknown, is entirely appealing to a mass amount of people. Whether they believe in it or not, ghost stories are fun. So of course people would strive to make them up as time goes on. I'm rambling a bit, but I think that's what Fallow might've been trying to say.
Correct me if I'm wrong?