by default createSchema should not throw an error if default value does not match type

[oferei]

By specs this should only be discovered when an object is validated, and then only if the default value is actually used (instance is undefined).

A "strict" option should be used when validating a schema which will perform additional checks on the schema which are not by specs. only in "strict" mode the createSchema function should check and throw. this includes checking default value.