#1. Cash-in on Bobby Lashley: Big E has a higher chance of success against him
The one downside to Big E staying on SmackDown and targeting Roman Reigns is the fact that The Tribal Chief might not let go of the Universal Championship before WrestleMania 38. He could face The Rock at the event and will likely be kept strong for it.
If that is the case, Big E's window of having a successful Money in the Bank cash-in is severely diminished. Reigns' eventual downfall should ideally happen at a major pay-per-view like WrestleMania or SummerSlam, which could extend his title reign until August 2022.
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This prospect completely rules out the possibility of Big E successfully cashing in his Money in the Bank contract on The Head of The Table. That would be a shame, considering the aforementioned storytelling possibilities involving The Bloodline and The New Day.
So, Big E should target Bobby Lashley as there seemingly aren't any extremely long-term plans for him as WWE Champion. If he does face Goldberg at SummerSlam, as reported, Mr. Money in the Bank should continually tease his involvement in the match.
Big E has stated his desire for a match with Goldberg, so a mid-match Money in the Bank cash-in at SummerSlam would be the ultimate dream for him. Whether this scenario happens or not, Big E's chances of becoming world champion are much higher on RAW than on SmackDown at the moment.