If you implemented your own parser for the schema and the JSON and only used an AST to validate + span information (which can just be a pair of u16s for start/end of a token) then you can collect your error messages very, very quickly and generate the error message once validation is finished.
Heavily optimized compilers will do this for semantic analysis and type checking, where the IR they use can be constructed quickly and then used with the input text to get helpful messages out, while the guts of the algorithm is only working with semantic information in a structure that's compact and easy to access/manipulate.
All that said, serde_json is incredibly convenient and giving up to write your own parser is a big hammer for a problem that probably doesn't need it.