Correct setting.find_or_default to do what it says

The previous "setting ||= find_by_name(name)" line failed to load settings (only overwrote the setting if it did not contain a default - a condition guaranteed by the previous conditional to never occur)

"||=" is "set value if not already set" not "set value if right side isn't nil". There's probably a more graceful way to do this that doesn't involve pulling the setting -twice-, but I'm brand new to Ruby and have no idea how to do that. :)