Improve databases command

Don't do `rake db:drop db:create ...` as one command. db:drop may fail and that
shouldn't affect subsequent creation, migration, etc.

Also, race conditions can arise if you db:create db:migrate, etc. together. For
instance, reports can't find the users table to add a foreign key for users.id.
So just do them separately.

Also, DRY running things in test and development RAILS_ENV.
Merge branch 'drop_dbs_separately'
Bump version from v0.1.1 to v0.1.2