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.