It's not his wife, it's an actress. The wife and actress both die. No such thing as ghosts.
Sucker witnessed her fake suicide, met her again, discoverd truth, saw her die for real 2nd time.
The second girl is really the first girl who wasn't really the first girl.
She conned him who later discoverd truth that frightened her to death literally.
Nun climb up tower to peep. Wreck couple's rendezvous. Woman out of fright jump off at sight of nun.
Ex-detective forced Brunette dye hair blonde again punishing her fake suicide now she died for real.