You are getting there! That's what makes them tales. :)
In this sense, they cannot be just "made-up stuff."
Oh, people never make up things...Fatima 1917 and the "dancing Sun" comes to mind.
The experiences themselves prompt the telling of the "tale."
Anything form an illusion, to a delusion, from a neurosis to a psychosis.
With this statement, it seems to me you deny on principle any value to human experience, especially as articulated in language, on grounds that human experience is always to be doubted as a source of knowledge, distrusted because it's "too personal," and thus cannot indicate a more general, let alone a universal rule.
If that is what you actually believe, dear kosta, I hardly know what to say to you in reply.
But I'll take a stab with this observation: You have to completely invert reality to accommodate such a conclusion.
Consider that statement for openers. Then maybe we'll see where it goes from there.