Pass a model in and it prompts you for the values of the columns

make_me_a.rb

# Construct a hash to create a given model for testing
# Pressing return ignores the column
def make_me_a model
  {}.tap do |model_hash|
    model.columns.dup.delete_if { |x| x.name.in?(%w[created_at updated_at]) }.each do |column|
      name = column.name
      puts "#{name}?"
      value = gets.chomp
      model_hash[name.to_sym] = value if value.length > 0
    end
  end
end

# Convenience method
def model_for model
  model.create make_me_a model
end

... Pressing return doesn't add it to the hash

Usage

Account.create make_me_a(Account)

Or just

acc_hash = make_me_a(Account)

For console fun and games

In the console

load 'make_me_a.rb'

Then use as above