You become a ghost when your spirit is ripped from your body but can't (fully) leave the physical world for some reason. Initiation to a deity provides a link from the person to the godplane and IMO helps you find your way to the appropriate place (some Gods send daimones or deities to fetch/guide you). Think link could be severed by being out of your god's reach (e.g. in a chaos temple, on the spirit plane), being out of your mind (insane, posessed, in the throws of extreme emotion), or by being sufficiently impious. The correct burial rites IMO help break the barriers holding the spirit in the world and guide it where it belongs.
Thom
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