Played a solo game today, Monterrey Jack, Darrell Simmons and Mandy Thompson were on my team. Jack was practically out half the game. He got trapped in the hospital by a ghost, which has physical immunity. None of my characters had any spells either, and they couldn't get to the magick shoppe either because of the ghost in the street. Jack didn't have any clue tokens, and his sneak only goes to 3, and the Ghost is a -3 evade. Basically, it was either have the will to pass the will check but not enough to fight with, or have the fight to pass the fight check (assuming you pass it) but fail the will check and go insane.
So Jack committed Sanicide. (sanity suicide). He just pushed into the Ghost, lost the will check and went to the Asylum. Was there a way around this? My other characters couldn't have defeated the Ghost either, I don't think, nor were they close. Jack just sat trapped for four turns, and I was hoping the ghost would move, but it ended up taking a long time before it did.