spring binstub causes Gem::LoadError after bundle update default gem with ext

[znz]

How to reproduce:

docker run --rm -it ruby:3.1-bullseye /bin/bash
mkdir app
cd app
bundle init
bundle config set --local path 'vendor/bundle'
bundle add rails -v '~> 6.1.0'
bundle exec rails new . --force -MOPCS --no-skip-spring --skip-listen -JT --skip-webpack-install
bundle exec spring binstub --all
bundle add io-wait -v 0.3.0
bin/rake

Result:

root@b77c1d65219e:/app# bin/rake 
/usr/local/lib/ruby/3.1.0/bundler/runtime.rb:308:in `check_for_activated_spec!': You have already activated io-wait 0.2.1, but your Gemfile requires io-wait 0.3.0. Since io-wait is a default gem, you can either remove your dependency on it or try updating to a newer version of bundler that supports io-wait as a default gem. (Gem::LoadError)
	from /usr/local/lib/ruby/3.1.0/bundler/runtime.rb:25:in `block in setup'
	from /usr/local/lib/ruby/3.1.0/bundler/spec_set.rb:155:in `each'
	from /usr/local/lib/ruby/3.1.0/bundler/spec_set.rb:155:in `each'
	from /usr/local/lib/ruby/3.1.0/bundler/runtime.rb:24:in `map'
	from /usr/local/lib/ruby/3.1.0/bundler/runtime.rb:24:in `setup'
	from /usr/local/lib/ruby/3.1.0/bundler.rb:161:in `setup'
	from /usr/local/lib/ruby/3.1.0/bundler/setup.rb:10:in `block in <top (required)>'
	from /usr/local/lib/ruby/3.1.0/bundler/ui/shell.rb:136:in `with_level'
	from /usr/local/lib/ruby/3.1.0/bundler/ui/shell.rb:88:in `silence'
	from /usr/local/lib/ruby/3.1.0/bundler/setup.rb:10:in `<top (required)>'
	from <internal:/usr/local/lib/ruby/3.1.0/rubygems/core_ext/kernel_require.rb>:85:in `require'
	from <internal:/usr/local/lib/ruby/3.1.0/rubygems/core_ext/kernel_require.rb>:85:in `require'
	from /app/vendor/bundle/ruby/3.1.0/gems/spring-4.1.1/lib/spring/commands.rb:37:in `<module:Spring>'
	from /app/vendor/bundle/ruby/3.1.0/gems/spring-4.1.1/lib/spring/commands.rb:4:in `<top (required)>'
	from <internal:/usr/local/lib/ruby/3.1.0/rubygems/core_ext/kernel_require.rb>:85:in `require'
	from <internal:/usr/local/lib/ruby/3.1.0/rubygems/core_ext/kernel_require.rb>:85:in `require'
	from /app/vendor/bundle/ruby/3.1.0/gems/spring-4.1.1/lib/spring/application.rb:87:in `preload'
	from /app/vendor/bundle/ruby/3.1.0/gems/spring-4.1.1/lib/spring/application.rb:166:in `serve'
	from /app/vendor/bundle/ruby/3.1.0/gems/spring-4.1.1/lib/spring/application.rb:148:in `block in run'
	from /app/vendor/bundle/ruby/3.1.0/gems/spring-4.1.1/lib/spring/application.rb:142:in `loop'
	from /app/vendor/bundle/ruby/3.1.0/gems/spring-4.1.1/lib/spring/application.rb:142:in `run'
	from /app/vendor/bundle/ruby/3.1.0/gems/spring-4.1.1/lib/spring/application/boot.rb:19:in `<top (required)>'
	from <internal:/usr/local/lib/ruby/3.1.0/rubygems/core_ext/kernel_require.rb>:85:in `require'
	from <internal:/usr/local/lib/ruby/3.1.0/rubygems/core_ext/kernel_require.rb>:85:in `require'
	from -e:1:in `<main>'

My investigation:

• I cannot reproduce using default gem without ext. (e.g. net-pop)
• Withoutbundle config set --local path 'vendor/bundle', I can upgrade. But I cannot downgrade. (e.g. if newer io-wait installed, bundle add io-wait -v 0.2.0 causes same error.)
• bundle exec rake works well. So it caused by spring binstub.