You're wrong, Neal. Of course she deserves a future, of course she deserves to be happy...
But if you think she could only see you as a ghost, then you're wrong. It's true that... there are some things that can't be now. [And it's painful, of course she knows that.] But for whatever reason and for whatever amount of time, we've all found ourselves here. And that gives you a chance to sort out things that might not have been before... it gives you a chance to have a present with her. [Even if you can't have a 'future']
Even if you don't think you can "offer" anything, isn't that her choice to decide? You don't have to say goodbye to her right now if you don't have to. You don't have to make yourself a ghost for her sake.