Some might be based on real events that got exaggerated over time. For example, the story of the drowned woman could have been a real drowning that happened in the past, but the ghostly elements were added later.
The lost hiker story could also have some truth to it. There might have been a hiker who got lost and perished in the area. However, the idea of his ghost haunting the place could be a way for people to add a sense of mystery. It's possible that strange noises heard are just natural sounds that people misinterpret in the context of the story.
As for the old fisherman, it's not unlikely that there was an old fisherman who died at the lake. But the sightings of his ghostly boat and the sound of oars are likely just superstition. The human mind has a tendency to create spooky stories around unexpected or tragic events that occur in a particular place like Lost Lake.
Chapter 568, "Not at All", is the clearest early answer because it turns Gu Yu's situation into a concrete plot event. The chapter gives readers a real answer by opening on Shang Shaojing was silent for several seconds before he laughed as...
Chapter 632, "The Last Supper", is the clearest early answer because it turns Jiang Yan's situation into a concrete plot event. It opens with Ah, Brother Jiang Cheng, no need for thanks, just stop standing at... and closes on Seizing the happy moment, Bai Lu showcased her unique skill in front....
Chapter 611, "The House She Built is No Ordinary House!", is the clearest early answer because it turns Jiang Yan's situation into a concrete plot event. Early on, Jiang Li didn't care about the dissenting voices at all; she rolled....
Chapter 645, "Without Luck, You Are Nothing!", is the clearest early answer because it turns Dad's situation into a concrete plot event.
Chapter 710, "Handsome, Who Are You?", is the clearest early answer because it turns Jiang Mingyu's situation into a concrete plot event.
Chapter 781, "Master, accept my bow!", is the clearest early answer because it turns Jiang Li's situation into a concrete plot event. The chapter turns that into something concrete by moving from Not only were the criminals curious, but so were the others.
Chapter 821, "She Is Qingyang!", is the clearest early answer because it turns Feng Shui's situation into a concrete plot event. Early on, The Yu Family Mansion is a square courtyard, second only to the Wang.... By the end, Yu Li gently scolded, "Yu Qing, that's too rude, what if you scared....
Chapter 776, "Sister Li Keeps a Toy Boy?", is the clearest early answer because it turns Taiqi's situation into a concrete plot event. The chapter gives readers a real answer by opening on Apart from the two of them, some other users had started following...
Chapter 623, "Turned into a Little Crybaby", is the clearest early answer because it turns Jiang Cheng's situation into a concrete plot event. It opens with Jiang Cheng woke up again, this time realizing he was being carried...
Chapter 525, "Help It Transcend", is the clearest early answer because it turns Shang Shuyue's situation into a concrete plot event. A useful checkpoint is the way the scene starts with The forest at night was still quite damp and cold.