This was a reproducible case where Gemfile.lock doesn't include platform-specific gems for all gems that have them. It was fixed in rubygems/rubygems#5743: Platform specific gems not being found by bundler
Here you can see google-protobuf has the platform-specific versions, but another gem grpc does not even though it does have platform-specific versions.
Show Gemfile.lock doesn't get platform-specific gems for grpc
bundle install
Start from scratch, and see platform-specific gems for grpc
rm Gemfile.lock
bundle install
bundle lock --add-platform x86_64-linux
bundle lock --add-platform x86_64-darwin-21
bundle lock --add-platform arm64-darwin-21
bundle lock --remove-platform ruby