Short answer: Bounty hunters.
If you jump bail, they get part of the bail payment for capturing you. It's a long standing privatization of law enforcement in the US.
It's all a bit...predatory.
That is what I did when I faced this scenario.
Takes a long time. Speedy trials suddenly slow down. Pressure to get a person on more charges goes up. Offers get better. Requests for court appearances increase in frequency and more.
And if they’re judgement proof there’s nothing you can effectively do.
The theory of bail is that someone who is to trap the charged individually financially, by locking up as much of their liquid assets as possible behind a promise to actually show up to court. If people are needing to take out loans to pay bail, the bail was set too high. If the accused doesn't have enough assets to meaningfully pin them down with bail, cash bail is inappropriate. In a system that was effectively setting cash bail, the only scenario where someone would take a loan out would be to cover unexpected expenses between arrest and trial.
But that's not how bail is applied in the US. Cash bail is set absurdly high, because the prosecution knows that the individual is going to get a bail bond, and thus the 10% needs to be a significant hit, and the remaining 90% needs to be enough to convince a bounty hunter to chase someone down.
There are two justice systems in the US, one for the rich and one for the others. In effect, this is one cog in the machine of systemic racism, as minorities tend to not be part of the rich class.
The unfortunate fact is that as the prosecutor in the OP lays out, it is not State's job to make sure every single legal advantage is pressed to the fullest.
Acquiring solid legal representation is a big financial barrier, but that's something we do help with as a society - there's public defenders, then there are civil programs for people up to 400% of the poverty line.