Ok, it sounds extreme I know. But what's the point of jail if not making you waste playtime doing basically nothing?
I'm pretty sure everyone hates being in jail.
I suggest that when you are arrested / killed by the police, you spawn outside PD without your guns, and the bail is automatically paid.
If you don't have enough money to pay your bail, you will be in debt. A daily task will check if you got enough money to pay the debt.