Why do ghosts wear clothes?

So are nude ghosts ever reported? Would we expect the ghost of a stripper or adult film star, be they male or female, to appear in the buff considering their previous vocation in the land of the living?

Honestly, i think that could be something related with the "last hope/wish" of who died and cannot rest. I try to explain it better: if i died at 95 with the hope to be happy like when i was 25 years old, probably i will be back as ghost with the aspect of myself younger and, of course, with a dress, because no one image himself/herself naked. Or maybe it is just the form of their last strong memory.
in other hand, maybe could be something coming from our minds, like we saw the ghost but our mind show the ghost like he/she with a dress...maybe for decency?