Revert changes to Stripe Token call that were breaking things

This mostly reverts commit 75b55e036deaf88a15a919ff3760115f6883fa14.
Revert "update stripe mocks"

This reverts commit b12060473e735e54926298e06a1dd5e3fe8267f1.
JK, upgrade stripe-mock again
add default card to test customer; fixes NilClass error in specs
when testing charge customer worker, charge should start with no card info
Merge pull request #18 from controlshift/fix-stripe-call

Fix bug where we try to use the card data before it exists; fix specs so they pass