Refactor: Replace reverse_merge with with_defaults for improved readability

Replace all occurrences of reverse_merge with with_defaults across the codebase.
The with_defaults method provides clearer intent and better readability when
setting default values for hash parameters.

Changes:
- app/helpers/columns_helper.rb: Update column_frame_tag method
- app/models/user/email_address_changeable.rb: Update generate_email_address_change_token method
- app/models/account.rb: Update create_with_owner method
- app/controllers/concerns/filter_scoped.rb: Update filter_params method

This refactoring maintains the same functionality while improving code clarity.

app/controllers/concerns/filter_scoped.rb

@@ -16,7 +16,7 @@ module FilterScoped
     end
 
     def filter_params
-      params.reverse_merge(**Filter.default_values).permit(*Filter::PERMITTED_PARAMS)
+      params.with_defaults(**Filter.default_values).permit(*Filter::PERMITTED_PARAMS)
     end
 
     def set_user_filtering

app/helpers/columns_helper.rb

@@ -43,7 +43,7 @@ module ColumnsHelper
   end
 
   def column_frame_tag(id, src: nil, data: {}, **options, &block)
-    data = data.reverse_merge \
+    data = data.with_defaults \
       drag_and_drop_refresh: true,
       controller: "frame",
       action: "turbo:before-frame-render->frame#morphRender turbo:before-morph-element->frame#morphReload"

app/models/account.rb

@@ -19,7 +19,7 @@ class Account < ApplicationRecord
     def create_with_owner(account:, owner:)
       create!(**account).tap do |account|
         account.users.create!(role: :system, name: "System")
-        account.users.create!(**owner.reverse_merge(role: "owner", verified_at: Time.current))
+        account.users.create!(**owner.with_defaults(role: :owner, verified_at: Time.current))
       end
     end
   end

app/models/user/email_address_changeable.rb

@@ -39,7 +39,7 @@ module User::EmailAddressChangeable
 
   private
     def generate_email_address_change_token(from: identity.email_address, to:, **options)
-      options = options.reverse_merge(
+      options = options.with_defaults(
         for: EMAIL_CHANGE_TOKEN_PURPOSE,
         old_email_address: from,
         new_email_address: to,