No Stupid Questions
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Bail is not money you get back. It's money that a bail bondsman doesn't have to fork over if you dont show.
Either you are so rich that the opportunity cost of tieing up the whole amount is more than the fee (so you just pay the bond fee) or you don't have enough and need to ask someone to lend it to yoy (that is, you pay the bond.)
New York tried to largely ban cash bail (becaue its essentially just a way to lock up the poor), but because of Republicans and police unions (i repeat myself) who whined about offenses while out on bail, the state poked a bunch of holes in it instead of making pre-trial detention easier.
Cash bail is ALWAYS indefensible. If someone is so dangerous to civic order they need to be detained pre-trial, then no amount of money should get them out of it.