Zoe is a part of main story so eventually you have to face her. Solving her problem so she can move on to afterlife. As for that sinister ghost, the game will mention about her background when you saw her.
ooh thanks!! i might download this game again in a month. there's a lot of stories in this game i haven't seen yet. i was scared of the sewers because i thought random people might come to beat me up, and walking through the apartments were kinda scary because it looked... a little abandoned, so i would always rush home and scream when i accidentally hit a wall. i never went to other places either. So yeah, I guess I was scared of this game. All good though 💕