“ Somehow, someway, a band of gnomes learns how to be ninjas. In fine gnomish style, they open an academy to teach this art to other gnomes. Wacky Hijinks ensue. Or the gnomes become some of the finest assassins in the land. Or both.”
“ What if the sources of precious metal in the realm all failed, so that the only sources for gold and other precious metal were hostile foreign lands? Gold coinage might become increasingly rare, resulting in hoarding. Player characters that appear with masses of treasure might be suspected of being in the pay of foreign powers.”
“ Pirates' many bejeweled rings and piercings actually had a practical purpose - when the pirate or sailor died, the rings could be taken off as payment for a proper burial, saving him from a watery grave. This could be tied into regional culture, or made into a quest (The Pirate's Lost Rings, etc.). Also gives treasure-seeking divers another thing to look for besides crusty old chests.”