I did a quick-test: I see her ghost picking up stuff when I spawn it (i.e. waiting until midnight next to the body). I can't loot the body myself, no hand-icon (although the ghost seems to be able to). Anyway, she ends up with a Knife (unless I pick it up first), 2 Healing Powder (can be seen via barter and one may be from the body unless she starts with two) and a Rock (can only be seen when stealing from her). So it seems her ghost loots the body possibly, but definitely picks up the knife when spawned in. Perhaps it's best if the ghost has no items (to cancel stealing), disable loot bodies script, and allow the player-dude to loot the body (or remove the items from the body otherwise, i.e. if I can't loot the body it doesn't need to have any items on it).