against ghosts, ghosts can't be used!!
Added 7 minutes later
The counter is general!!! for all creatures with incorporeality in battle!!
i.e., your ghosts attack (-1), enemy ghosts retaliate (-2), and then they hit you... or (-3), and your retaliation deals damage..
the point is that this limit is !general! for ALL UNITS with incorporeality..
Added 54 seconds later
I hope I explained it clearly..
I'll correct myself in 2019 -_-". Not 3x, but 2x stacks (i.e., on the 3rd time, it's always a hit or a miss).