Handle improperly passed args better

If they happen to not pass a hash as the last object, you'll run into a fatal error with `options == nil`, which will cause `options[:default]` to error out.

Not really a huge concern, since no valid params will have been passed, but eh...
mostly comes down to personal preference I think. 

I like it, just because I'm a fan of how it reads, but I get why some people are less favourable of this style