As skeptics commonly say:
"We accept that you had an experience, we just don't accept the explanation you give for the experience."
We wouldn't say people are lying about their experiences, for the most part.
And I wouldn't call people "crazy" or "dumb" for having such experiences, or interpreting them in an unjustified way, because those are insults, and intelligence and mental health has many dimensions. Some people do experience hallucinations (whether non-existent figures clearly standing in front of them in broad daylight, or just a moving shadow in the dead of a sleep-deprived fever-induced night). Some people aren't all that skeptical (even many skeptics used to believe supernatural claims: that's part of what led to our skepticism, and how we developed or discovered a method to evaluate these claims).
I've thought I've seen things in the corner of my eye, or in the dark, and I felt unusual things, and I've had dreams that seemed real, and so on. And many or most people seem to have experienced similar things, but they don't conclude that this was due to supernatural beings. So why should we believe people who share similar experiences and say it was supernatural beings? Answer: we shouldn't, at least not based on them just saying it was a supernatural being.
We've evaluated their recounting of their experiences, and we've found those to be insufficient to justify belief in what they're claiming. In many cases, their recounting indicates that they didn't really see all that much, it happened while they were in bed, so there's a significant chance that it was a dream, there's no corroborating evidence, etc.
Other people believing things is not a good reason for you to believe it. They may have bad reasons for believing what they do. We know people believe things for bad reasons. If applied consistently, this would also lead to contradictory beliefs, because people believe things that contradict what others believe. Religion is a good example, where different religions have claims that contradict other religions. And even in one religion, people make incompatible claims (about what their deity is like, about what happens after death, about how their deity interacts with the world, about what their deity even is, etc.).
Also, many supernatural claims would be very far outside how we consider reality to work, and would have far-reaching consequences, which implies that we'd likely have had far better evidence if that were true. For example, if ghosts exist, that would imply that every person who's ever died could potentially have their soul floating around. If even just a tiny fraction of those become ghosts, and if ghosts can interact with material reality, we should still have constant and clear evidence of that all the time. This comes with a far higher burden of proof than just "yeah, some people believe it, so it must be true".
they give descriptions of beings that aren't from their religious tradition
Many, many people claim to have experiences of being that are from their religious tradition.
Also, people tend to make claims of things they're already familiar with based on popular culture or myths or whatever. One could say that people making similar claims is evidence that it's true, but it could just as easily be evidence that people have a tendency to try to explain what they experience with things they already know about.
Many claims of e.g. alien abduction tend to involve similar-looking aliens, which just so happens to match aliens according to media, and how they look has also changed across time in media as well as in the claims people are making.
people are so educated today
Most people have some basic education, and I do mean basic. You may be surprised how little education some adults have received. 8% (~27 million people) of US adults are illiterate and 54% have a literacy below 6th-grade level (as per Wikipedia). But even higher education rarely teaches psychology or principles of skepticism. And I'm not convinced about the degree to which you can even teach skepticism. Beyond that, many people are indoctrinated into cults and false beliefs. When you have things repeated to you over and over again across your entire childhood, everyone around you believes it, you're not going to be too inclined to seriously question that.
people are skeptical of supernatural claims
Where's your evidence for this? I'd say that people believing supernatural claims (with poor justification) is evidence that they aren't skeptical.
Many people who believe in the supernatural are skeptical of other supernatural claims, sure, but a significant criticism skeptics raise against believers in the supernatural (theists in particular) is that they don't apply their skepticism consistently, and they make exceptions for their own beliefs. Or they just don't have personal experiences related to those other supernatural claims, and would also believe them if they did have such experiences, using their flawed epistemology.
And this part of your argument seems circular: People's claims of the supernatural are true (or justified), because they're skeptical and wouldn't believe things if they weren't true.
If you want to determine whether someone is skeptical, you should evaluate the evidence or justification for what they believe, but you seem to want to skip this step.
All the other factors like wild imagination as well as drugs can't be surmised because of the fact that most things people see are real. Therefore it's an assumption to presume that they had some type of hallucination. You also have to acknowledge that most people don't have propensity to hallucinate.
The key word there is "most". Most things we see is real, and most people don't hallucinate (for the most part). But we also know for certain that some things we see aren't real, and we know for certain that some people hallucinate. Given the lack of corroborating evidence, hallucinations are far more plausible than the existence of the extraordinary things people are claiming they've seen.