i have dreamt like this off and on. last month i had a spell of a week or so when it seemed every dream was 'observational'.

it definitely makes lucid dreaming quite difficult, although perhaps you could use it to your benefit. i have had one dream where i was viewing the scene as a disembodied awareness, without my 'physical' body. i managed to possess a girl, and use her to shift my awareness into a body, from which i walked around the room for a few minutes before awakening.

there is probably some truth to what leo said. i am naturally a very easy-going person, who goes with the flow unless it runs counter to my value-judgements. and particularly when i am apathetic, or just plain don't give a f**k, my dreams seem to be in the third person much more often.

i would suggest to maybe use a modified reality check. along with others you may use. ask yourself throughout the day "am i watching a movie/television show right now, or is this a dream". personally, that is the closet thing i can relate those third person dreams to, and is why i accept them as normal. i just allow myself to passively watch the scene without wondering what my personal role within it might be...

and if you happen to be particularly apathetic, depressed, or hopeless right now, that could have some bearing on why your dreams are like this. i'm afraid i don't really know how to help you if that is the case.

good luck.
namaste...