To answer your question no as you are not figuring in the neutral current.
The answer is yes. Each stab (phase) would see (potentially) 30A. The neutral load is of no concern when UL/Panel manufacturers decide where tandems can go.
2 pole and 3 pole breakers are only used for multiwire branch circuits See Article 210.4 for further reading.
We've discussed how wrong this is at length already.
Article 100 Defines a multiwire branch circuit as any branch circuit that consists of two or more ungrounded conductors that have voltage between them.
You left out the part about a neutral/grounded conductor being involved as well. What you stated as the definition would, in fact, mean that all circuits containing more than one ungrounded conductor would be MWBCs.
A multiwire branch circuit is essentially a 208/240 volt system and the remaining unbalanced loads are very very little.
When talking about MWBC's, many times the loads served are general purpose lighting/receptacles. In that case, you have no idea what the unbalanced load would be. You do know it cannot be over the rating of the circuit, but to say they are "very very little" is not always accurate.
In your example two tandem breakers may or may not be on the same phase. This not only puts all the load on one phase and directly the neutral, it also creates a risk for injury because the circuit is still open if only one tandem breaker is turned off.
CTLs are mainly a residential restriction. Non-CTLs have no limit to the amount of breakers.