Fix rational to decimal on type_cast_from_user

We ran into a problem with Rationals and the `Decimal#cast_value` method. 
For a `Rational` type, use a precision or fallback to default `BigDecimal.new(value, 0)`

@Overbryd and @marianovalles
Agree on this one, `is_a?` is even faster on ruby 2.1.2 at least.