I see this issue as fairly simple and straightforward to address: Replacement of the lens covers with some lens covers treated with the appropriate anti-reflective coatings.
Interestingly enough, this evening I have tested a Huawei P20 against the same identical light source, in the very same place, as I did with my iPhone 11 Pro. The verdict is interesting:
iPhone 11 Pro: Severe ghosting and whilst changing the angle it is possible to get the ghosting almost anywhere on the picture.
Huawei P20: I did not manage to obtain the ghosting image.
Upon close examination the Huawei lenses covers are anti-reflective coated. The two top lenses coating show a greenish hue when reflecting light on these whilst the lower lens anti-reflective coating shows a blueish / purple hue... Tomorrow I shall see which lens is what as it may mean that the type of anti-reflective coating is optimised for each lens aperture...
Also, the lenses from Huawei are branded Leica which is a highly reputable optical company. It means that the design of the camera optical system was either made or endorsed by Leica which is a guarantee of optical quality. Sony uses Zeiss. I believe that Apple should follow that example and get their optical system endorsed by one of the best optical company on the planet... even if the additional brand is not engraved / printed on the device.
Are the iPhone 11 Pro lenses covers coated with anti-reflective materials ?