It’s not Insane, it’s just wrong. People who can’t afford bail can generally get a bail bond, which will front the cost in exchange for the defendant paying about 10% IIRC. The thinking is that people who aren’t considered a flight risk, and aren’t a risk to the community, shouldn’t be imprisoned until there’s a guilty verdict, and putting money on the line that they lose if they don’t show up to court will encourage them to show up.

On the surface, it’s not an insane thought. It’s just… wrong. It just doesn’t really work. In practice it really does just disproportionately punish those who are already suffering, while also making it possible for the wealthy to further escape any consequences.