Such is the case if you embed JRuby into an application dynamically (such
as via OSGi). From my test environment:
```
irb(main):006:0> $LOADED_FEATURES.grep(/cli.rb/)
=> ["uri:classloader:/META-INF/jruby.home/lib/ruby/stdlib/bundler/cli.rb"]
```
https://github.com/rubygems/rubygems/commit/75ac5d46a7