Somewhat a tangent but I'd love to see a CRPG using Meso America (Aztec, Maya, Toltec etc.) as a cultural backdrop with magic and rain forests.
I recall a crpg that came out a few years ago that was based on the Mayans it didn't sell well. Maybe someone else remembers the name?
How about a game world where Humans are almost extinct??? How about a game you can't play as a human? You can take the basic Tolkien world and play with it. What if elves are the great evil race and Orcs are good natured and easily victimized? Hell, what if you are a member of an evil race and you play a "supposedly evil" character trying to save his/her people? I dunno, ANYTHING.
There are a few free to play mmo's that allow you to play in those settings but I never was interested in them.