I don't have any Skyrim experiences with PC or XBOX so I don't know how these would fit to those or anything!

GAME: Deamon's Souls, Dark Souls mixed with LOTRO.
BORROW WHAT: Sending in game messages to other players.
INCLUDED HOW: There would be some kind post offices where you can send messages to other players from your friend list.
I don't need to send items just asking tips and telling hi. It dosn't matter if sending those costs some ingame money.
WHY: This could increase RPG element.

GAME: GTA: San Andreas (I think)
BORROW WHAT: Interacting "NPC" without activate them by pressing (X) button (PS3).
INCLUDED HOW: People in villages and cities are spoken to yuo while you are just walking pass of him/her.
You could press some button to say something positive and other for negative reply. (Don't know is it possible for PS3 thoug, becouse lack of buttons)
WHY: This could increase RPG element.

If you have any other ideas you can tell it here and if you want you can use (copy/paste) this for it:

GAME:
BORROW WHAT:
INCLUDED HOW:
WHY:

And ofcourse you are free to comment this or any of suggestion but let's keep it civil.

I always wished Bioware and Bethesda could meet up. Bethesda taking care of environment and quests, and Bioware dealing with character development, consequences and in-game achievement.

I'll add one to format though:

GAME: Red Dead Redemption
BORROW WHAT: Horse animation, movement and variety
INCLUDED HOW:
WHY: Because the Red Dead Redemption horse mechanics are far classier than Skyrim's!

GAME: Mount & Blade: Warband
BORROW WHAT: Horses and horse combat including archery from horseback
INCLUDED HOW: change skyrim horses to warband horses
WHY: horses now are useful only for transportation, not combat

EDIT: heck they should also include warband archery, foot combat, shield damage, armor and weapon variation and avatar customization options

GAME: Lord of the rings Online.
BORROW WHAT: Crafting advancement quests.
INCLUDED HOW: Force player to do crafting quest for NPC in order to unlock new types of armours.
WHY: Because achieving 100% in smithing early in the game is too easy and breaks a lot of balance.

GAME: The Witcher 2
BORROW WHAT: Alchemy.
INCLUDED HOW: Rework alchemy in Skyrim to reduce the huge amount of useless ingredient combinations.
WHY: Because potion that heals for 54 points and poisons for 25 points makes no sense.

GAME:Fallout New Vegas
BORROW WHAT: http://www.newvegasnexus.com/downloads/file.php?id=37884.
INCLUDED HOW: Magic?
WHY: Because this is how every Player owned house should work in Skyrim and Fallout.