Do not expect database user with app name to exist

By default when creating a project with `--database=postgresql` the `config/database.yml` file that is generated has a user specified that is the same as the app name

```
development:
  adapter: postgresql
  encoding: unicode
  database: <%= app_name %>_development
  pool: 5
  username: <%= app_name %>
  password:
```

This is counterintuitive and would rarely be valid. By default postgres creates a user with the current user name (http://www.postgresql.org/docs/9.3/static/database-roles.html) "it will have the same name as the operating system user that initialized the database cluster":

```
$ whoami
schneems
```

If the `username` is left out postgresql will assume that you wish to log in as the default user

```
$ psql -c '\du'
                             List of roles
 Role name |                   Attributes                   | Member of
-----------+------------------------------------------------+-----------
 schneems  | Superuser, Create role, Create DB, Replication | {}
```

A good sensible default then for auto generated `database.yml` files is to remove the `username`, and have postgres attempt to connect to the database as the currently logged in user.

Instead of submitting with a blank password, don't submit a password.