The sector in Australia that has the most costly dependency ratio must be the property sector, since it costs all Australians an enormous and unreasonable amount just to cover the cost of land for housing, business and agriculture. Most of the very high costs involved are completely unnecessary, except in the eyes of greedy developers and their hangers-on. The only reason that the costs are so high is that the industry wants it that way and our state and federal governments are in cahoots with it.