Good vs bad Bundler config

chruby config (error)

noah@Noahs-MBP ~ % chruby cruby-mplr
noah@Noahs-MBP ~ % bundle -v
Your RubyGems version (3.0.3.1) has a bug that prevents `required_ruby_version` from working for Bundler. Any scripts that use `gem install bundler` will break as soon as Bundler drops support for your Ruby version. Please upgrade RubyGems to avoid future breakage and silence this warning by running `gem update --system 3.2.3`
Bundler version 2.4.13
noah@Noahs-MBP ~ % gem env
RubyGems Environment:
  - RUBYGEMS VERSION: 3.5.0.dev
  - RUBY VERSION: 3.3.0 (2023-05-10 patchlevel -1) [arm64-darwin22]
  - INSTALLATION DIRECTORY: /Users/noah/.gem/ruby/3.3.0
  - USER INSTALLATION DIRECTORY: /Users/noah/.gem/ruby/3.3.0+0
  - RUBY EXECUTABLE: /Users/noah/.rubies/cruby-mplr/bin/ruby
  - GIT EXECUTABLE: /usr/bin/git
  - EXECUTABLE DIRECTORY: /Users/noah/.gem/ruby/3.3.0/bin
  - SPEC CACHE DIRECTORY: /Users/noah/.gem/specs
  - SYSTEM CONFIGURATION DIRECTORY: /Users/noah/.rubies/cruby-mplr/etc
  - RUBYGEMS PLATFORMS:
     - ruby
     - arm64-darwin-22
  - GEM PATHS:
     - /Users/noah/.gem/ruby/3.3.0
     - /Users/noah/.rubies/cruby-mplr/lib/ruby/gems/3.3.0+0
  - GEM CONFIGURATION:
     - :update_sources => true
     - :verbose => true
     - :backtrace => true
     - :bulk_threshold => 1000
  - REMOTE SOURCES:
     - https://rubygems.org/
  - SHELL PATH:
     - /Users/noah/.gem/ruby/3.3.0/bin
     - /Users/noah/.rubies/cruby-mplr/lib/ruby/gems/3.3.0+0/bin
     - /Users/noah/.rubies/cruby-mplr/bin
     - /opt/homebrew/bin
     - /opt/homebrew/opt/bison/bin
     - /usr/local/bin
     - /System/Cryptexes/App/usr/bin
     - /usr/bin
     - /bin
     - /usr/sbin
     - /sbin
     - /var/run/com.apple.security.cryptexd/codex.system/bootstrap/usr/local/bin
     - /var/run/com.apple.security.cryptexd/codex.system/bootstrap/usr/bin
     - /var/run/com.apple.security.cryptexd/codex.system/bootstrap/usr/appleinternal/bin
     - /Users/noah/.cargo/bin

System config (fine)

noah@Noahs-MBP activerecord % chruby system
noah@Noahs-MBP activerecord % gem env
RubyGems Environment:
  - RUBYGEMS VERSION: 3.0.3.1
  - RUBY VERSION: 2.6.10 (2022-04-12 patchlevel 210) [universal.arm64e-darwin22]
  - INSTALLATION DIRECTORY: /Library/Ruby/Gems/2.6.0
  - USER INSTALLATION DIRECTORY: /Users/noah/.gem/ruby/2.6.0
  - RUBY EXECUTABLE: /System/Library/Frameworks/Ruby.framework/Versions/2.6/usr/bin/ruby
  - GIT EXECUTABLE: /usr/bin/git
  - EXECUTABLE DIRECTORY: /usr/local/bin
  - SPEC CACHE DIRECTORY: /Users/noah/.gem/specs
  - SYSTEM CONFIGURATION DIRECTORY: /Library/Ruby/Site
  - RUBYGEMS PLATFORMS:
    - ruby
    - universal-darwin-22
  - GEM PATHS:
     - /Library/Ruby/Gems/2.6.0
     - /Users/noah/.gem/ruby/2.6.0
     - /System/Library/Frameworks/Ruby.framework/Versions/2.6/usr/lib/ruby/gems/2.6.0
  - GEM CONFIGURATION:
     - :update_sources => true
     - :verbose => true
     - :backtrace => false
     - :bulk_threshold => 1000
  - REMOTE SOURCES:
     - https://rubygems.org/
  - SHELL PATH:
     - /opt/homebrew/bin
     - /opt/homebrew/opt/bison/bin
     - /usr/local/bin
     - /System/Cryptexes/App/usr/bin
     - /usr/bin
     - /bin
     - /usr/sbin
     - /sbin
     - /var/run/com.apple.security.cryptexd/codex.system/bootstrap/usr/local/bin
     - /var/run/com.apple.security.cryptexd/codex.system/bootstrap/usr/bin
     - /var/run/com.apple.security.cryptexd/codex.system/bootstrap/usr/appleinternal/bin
     - /Users/noah/.cargo/bin