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RolStoppable said:

Should have been one of the blue ghosts with 10 health that drop a lot of money if you manage to catch them. They are hidden in various rooms and are one-chance only, unless you reload your save file.

You are unable to progress in the basement until chapter 4 of the game, so you simply missed the room where you could make progress. One possibility is that you overlooked the key on a pillar in the room with the crystal ball that doesn't necessitate catching any ghosts and the room is still unlit; that's why it's easy to overlook.

That explains it. I don't know what chapter I was on, though. And I don't remember whether or not I saved. At this point I'll probably just wind up restarting the game next time I play it, anyway. It's been a really long time. Thanks.