rake test overwrites development database+issues

Currently I can only get rake test to work if my dev database is set to wagn_test_template.  This seems like a major problem to me -- what if some developer had dev set to his production database and got bold and tried to run rake test and found out it overwrote his whole database?

I see wagn_test_template hardcoded into our rake files.  Seems like rake test should create a template database and shouldn't ever touch the dev database.