Add default values support via new TagLoader, closes #3

This PR introduces a new `TagLoader` struct that satisfies the `Loader` interface. This is pluggable so people can use with other loaders to create their own custom multi loaders. However for our `DefaultLoader` its enabled by default. The `DefaultLoader` is now a multi loader which loads in the order of

* Values from each field's tag's defined by the `default` key. Example: 

```
Name string `default:"koding"`
```

* From a file if constructed with `NewWithPath()` or without a file if constructed with `New()`
* From environment variables
* From flag variables.


The tag key name `default` can be changed if wished and configurable. I also improved the examples so each example is self contained (showing the struct itself) and introduced a new example for `DefaultLoader`