I've never understood the logic behind that. As long as you don't violate your bail provisions, why wouldn't all of your bail be refundable?
Because unless you have $500k sitting around, your choices are to sit in jail until people-who-go-home-every-day decide it's time to have a trial, plea, or contract with a private company to loan you the $450k and pay their massive fee. Once you realize how this end of the system works, it's quite hard to tell yourself that the words "innocent until proven guilty" mean anything.