In f6e293ec we avoided a segfault in the
tests, however I think we should try to avoid the crash, as it may
happen in user code as well.

Here is what I distiled the bug down to:

```ruby
# Rails case - works on 2.0, 2.1; crashes on 2.2
require 'action_dispatch'

ActionDispatch::Response.new(200, "Content-Type" => "text/xml")

# General case - works on 2.0, 2.1; crashes on 2.2
def foo(optional = {}, default_argument: nil)
end

foo('quux' => 'bar')
```