DRAFT --- set sane defaults for workload create/apply `--service-ref` flag

[heyjcollins]

This is placeholder and requires further analysis by PM.

Description of problem

To bind a service to a workload via the --service-ref flag, someone must remember (and type correctly) <resource.owner>/<version>:<resource.kind>:<name>.
This is likely to be error-prone and burdensome.
Providing sane default values for the majority of the required value will address a good deal of this pain in a significant portion of use-cases

Proposed solution

If end-user provides only a single value for --service-ref, CLI should assume the <name> has been specified and should set [services.apps.tanzu.vmware.com:ResourceClaim](http://services.apps.tanzu.vmware.com/v1alpha1:ResourceClaim) by default

Given I've provided `--service-claim rmq1`
When I `tanzu apps workload create/apply` a workload
Then the apps plugin will submit XXXXXXX

Example

<Code snippets that illustrate the when/then blocks>

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Additional context

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