You might be experiencing the mini-LED effect where the back lighting is regionalized, which isn’t ghosting but can be noticeable.
If you have the 12.9” M1 iPad, the ghosting is likely due to the new miniLED backlight which was introduced with that model.
This backlight is not static, but tracks to content in order to increase effective contrast (similar to FALD backlights on higher end LCD TVs). If the backlight does not track the LCD content fast enough, there can be ghosting.
In addition, since the LEDs are large compared to pixels, you can sometimes see haloing, particularly in small bits of white on a black background.
Overall, while the display is great for video, especially HDR video, it has some problems with UI and (white on black) text.