"Radiant" I'm assuming?
Help me out: Why would fire, cold, lightning, etc cancel the insubstantial state? Be creative.
How about necrotic?
Even better qustion, is why would these cancel the state?
(nice job, Tanj, on posing a few interesting ideas).
So the MM gives ghosts (et. al.) fewer HP, then an ability to take half damage. Net effect: same as if they didn't reduce HP and eliminated the ability. In other words, the ghost is just as hard to kill as a totally corporeal monster of equal level.
Then you come up with clever ways to remove the ability.
The danger you create is that now you have a creature with reduced HP and no ability to reduce their damage.
Your ghost just became very easy to kill.
But it has the same XP and same treasure.
Sure, it's boring as written. But if you're going to rip away the poor ghostie's defenses, at least give it something else, maybe even just raise its HP, so that it stands a fighting chance to at least scare the PCs a little.
Last thing you want is your players begging you to fight more of those super easy ghosts so they can mop the floor with them and snarf up the easy XP and loot...