None of those points are in support of your argument.

Because those things still happened despite giving Cell a Senzu bean. He still blew himself up after losing to Gohan.

That wouldn't have changed had Goku refrained from healing Cell, except without the Senzu bean, Gohan would have had an easier time of cornering Cell.

Which might have left Gohan with enough energy to do something about it, or hell, even defeat Cell before he gets the chance to even think about blowing himself up.

Which is precisely why Goku is reckless.

If you trusted Gohan to beat Cell at 100%, the sensible and not reckless thing would be letting Gohan fight Cell who is not at 100%.

Perfect Cell not killing everyone, even if capable, is not a reason to owe him anything, what the fuck?

By that logic, everyone on Earth owes everyone on Earth a favor because everyone on Earth is theoretically capable of killing any other person.

Giving Perfect Cell a Senzu bean directly lead to Cell evolving further.

Goku trusting Gohan is not a valid reason to endanger everyone on the planet.

Goku is reckless and thoughtless, and regularly puts everyone else at risk.