A very good premise at the start.
The world building and update stability are quite good, but I have to admit that I find the character design and story development severely lacking.
The MC is naive to the point of stupidity up to chapter 100. He gets conned and betrayed to easily imo, not to mention the constant repeat mistakes. He talks to himself 80% of the time, and half of that is to remind himself not to repeat past mistakes. Yet, a few chapters later, he will be berating himself again that he is stupid and repeating his errors. The MC can be borderline stupid, but blatantly saying and repeating how stupid the MC is every 10 or so chapters, does not bode well for the book. At least make him seem smart is what I'm trying to say.
The story development was fine, even when he was masquerading as a woman for 70% of it (sweat) 😰. But, that bomb drop at chapter 99 was too huge! I will be honest, I couldn't really tell who the target audience was for half the book. But it was interesting enough to stop me from investigating. The reason for this is quite simple, 99% of male audience can read novels about male MCs turning into animals, insects, ghosts etc. But to have them transgender is a huge taboo. I understand that it's 2022 and the lines are somewhat blurred nowadays. But, if you are writing a novel targeted at MALE audience, you SHOULD NOT transgender the MALE MC and LITERALLY put that he lost himself. It's too much, my brother.
I literally had to back pedal at chapter 99 and check if this novel had an LGBTQ tag that I somehow missed. I even had to question myself and ask if I was being misguided for reading those 99 chapters. That's just how big an impact your chapter 99 had on me. I don't think that the sequence of events leading up to it were intentional, but the end result was questionable to say the least.
At least, that's my two cents on those two issues. Otherwise, the book is readable and I would recommend it to female readers, or those who don't mind the blurred lines.
Overall, I give this book 3.8 out of 5 but that's mainly for the writing quality, world building, and the somewhat unconventional plot. The MC setting and plot progression seems quite sketchy imo though.
P.S. Please allow the MC to do ghostly things. You promised ghosts, so you should give ghosts.