Remember Annie is an orphan whose foster father has been absent for most of her life. Either the ghost have adopted her because she was basically alone except for those who have been paid to look after her, (Remember the Asp and Punjab were employees whose loyalty was to Daddy Warbucks) or Annie has created these people in her mind to fill the void she had in her life from not having a stable home life. It is the later view that most of the world would cling to. However, Amelia may be more prone to believe the former concerning Annie. She has spent a lot of time around Annie and can see that Annie is a fairly level-headed young lady despite all the things that has happened to her.