I think this one is good enough to make it to my black book, but it's not technically a game idea.
Have cameras fitted in every room of your house. Then wear a headset with LCD screens so that all you can see is the output from those cameras. Then you have an instant fixed camera third person view of your life. I really think it would be cool because you would actually be abandoning the standard first person viewpoint of human living for something else. Imagine trying to make breakfast or go the toilet like that! And could you extend that to other areas like driving!?