Generating a rails 6 app with ruby 2.6+ when you have bundler v2 installed creates unusable binstubs. If you are seeing this error You must use Bundler 2 or greater with this lockfile. you can remove the bundler that comes bundled with ruby 2.6 and rely on the manually installed v2 bundler.

If you are using rbenv you can use this command (adjust for your ruby version e.g. 2.6.{0, 1} etc), other installation systems will use different locations

rm -rf ~/.rbenv/versions/2.6.1/lib/ruby/2.6.0/bundler*