1) No points;
2) High IQ;
3) A loner.
I came up with 4 options:
1) Doctor Salzman - he has no points, high IQ, but he is NOT a loner;
2) Player Charlie - he has no points, high IQ, but he is NOT a loner;
3) Ghost of the Abbot - he has no points, high IQ, but he is NOT a loner;
4) Ghost of the Girl - high IQ, a loner, could have chosen points at the beginning of the game and lied, saying she has none.
By the way, the girl option is the least obvious - why would she immediately reveal her role?
Fragment, if something is wrong, please correct me.