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This is all just so you can continue to live your life and not sit in jail while waiting for trial correct? That just seems wild to me. If you don't have the money, or can't get a loan, you probably lose your job due to being in jail, which now your entirely livelihood is at stake. It just seems so broken.

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Yes, you are essentially correct - it was a well-intentioned reform that has not been re-evaluated for current times, or it is judges who lack personal finance skills or realities to know that the bails they impose are not realistic for those who appear in their courts.

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