You do not get a default route in a stub area without an ABR (link in A 0)

I use Vrf Lite a lot and there you use stub areas, sometimes I have a local segment (The VRF is on a single distribution pair) and then need to expand it, or I am building a VRF that statically routes to a firewall. To get a default route, that has to come from an ABR, so some interface has to be in Area 0. If you are statically routing to a firewall make the interfaces routing to that firewall area 0 interfaces and then the switch that has the firewall connection sends out a default route to any other routers in the VRF