FitzTheRuke
Legend
It's a table rule issue. Here is the table rule in my games:
"Keep Things Moving. We do this by saying "Yes, and..." to our fellow players. When a reasonable idea is proposed, we accept it ("Yes...") and add to it ("and..."). We don't shut down other people's ideas or try to tell other people how to play their characters unless they ask for help. It's discouraging to others and slows the game down."
So in this case, whoever proposed a good faith idea to investigate the ghost dragon is supported by everyone else. The two people who in this situation are refusing to go would work on finding a way to be okay with it. "Yes, and since we're scared that a ghost dragon is a bit more than we can handle in a direct fight, let's focus on ways to be stealthy when we approach the lair and have an exit strategy if things go badly." Then someone can "Yes, and..." that offer until a plan comes into focus.
I agree. "Yes, and we might just want to have a look around, gather some info, and get the heck out if we actually run into the ghost dragon, because it's probably more than we can handle."