ActionMailer https on URL with force_ssl = true

`config.force_ssl = true` will set
config.action_mailer.default_url_options = { protocol: 'https' }

If you have turned on force_ssl, and then gone to the effort of setting
a config.action_mailer.default_url_options = {host: 'example.com'} then
you are probably pointing people back to your current app and want
https on that too.
`options.default_url_options[:protocol] ||= 'https' if app.config.force_ssl == true`

also do you need to worry about symbol vs string as key?