Add ~/.gem to default load path so people can actually use this stuff.

git-svn-id: http://rubygems.rubyforge.org/svn/trunk@1813 3d4018f9-ac1a-0410-99e9-8a154d859a19

lib/rubygems/defaults.rb

@@ -19,9 +19,9 @@ def self.default_dir
     end
   end
 
-  # Default gem path.
+  # Default gem load path.
   def self.default_path
-    default_dir
+    [File.join(ENV['HOME'], '.gem'), default_dir]
   end
 
   # Deduce Ruby's --program-prefix and --program-suffix from its install name.