I am about done with this game. Wonder if Amazon will still take it back.
1. Progress in this game (first time through anyway) isn't about better souls/equipment... it's about learning the layout of the level and the attack patterns. That knowledge will give you your biggest edge in the game.
2. The worst that could happen is that you're repeatedly killed with 0 humanity and 0 souls... so there's a limit to how bad things get. I've been in that situation plenty of times myself... in New Londo no less. It's just part and parcel of the game.
3. Draw the ghosts out where you can. The biggest bug bear is the first house after the bridge. There's one ghost out in the open... and 5 of them hiding. Immediately beyond the archway, there's a ghost to the left - draw him out if you can. There's one that spawns at the door as well. He's a fucker. And 3 more spawn from the floor in that room (rather they float through the floor).
The second area that's full of shit is after the double decker bridge, where the ghosts attack through the floor and roof. That building, if you run into it, will seem like you get smashed by about 8 ghosts. In fact, 3-4 of them are chilling off by the waters outside the building - step into the building, then step out to draw those ghosts and pick them off one by one. That way you won't be massacred when you get inside.
I'm assuming you've found and used the transient curses... coz if you haven't even done that... that's where you're going wrong