Lobel urged the court to begin examining defendants' finances before imposing bail.
"If we know the person can never pay the forfeited amount of bail, that person should never be permitted to [post] bail in the first place," she said.
Frank, the private bail executive, testified that the Philadelphia bail system needed "comprehensive reform."
"The evidence demonstrates - and Philadelphia's experience confirms - that 10 percent deposit bail is neither effective nor efficient," he said.