Try reading this:
fear mechanics
This will likely not solve it for you, but at least you will know that you're not alone. The important things to note are that fear does reduce morale, and each ghost forces a check against morale in its AOE. I believe this means that if your rudra was completely surrounded by ghosts he could be forced to save 24 morale checks in 1 turn ((8 squares 1 square away) x (3 size 2 ghosts per square)), each check resulting in some possible loss of morale. CBM has nothing to do with this, and the devs had trouble explaining the exact mechanics.