you can scream and type in all caps as much as you wish, only because he "had planned" doesn't mean that it would have necessarily worked. Actually, weren't it for kabuto's edo tensei, i'm very doubtful that obito would have sacrificed his life to use rinne tensei on madara. This wasn't wise thinking, just planning ahead with a huge possibility of failure. He was lucky that kabuto revived him.
You talk of how hagoromo was "given" those powers by birth, yet you forget that: He was also given since birth the power to wield the sharingan, he stole hashirama's power thanks to which he increased his chakra, and assure himself new jutsus such as mokuton, and thanks to the stolen senju dna he was able to attain the rinnegan. Now he also stole hashirama's sage mode. So honestly, i think madara is much more of a thief than hagoromo / kaguya. Hell, he even stole his brother's eyes.
Also, you talk of "irresponsible doings" of rikudou sennin, yet if it weren't for his "irresponsible doings" juubi would have destroyed the world, or at least humankind. Obviously the uchiha tablet wasn't addressed to madara, but to all uchihas. And, as i said, the ems was a stolen thing, since his own eyes were damaged and had to steal his brother's eyes. Thanks those them he was able to attain ems and decipher more about the uchiha tablet.
And yes, he's in debt, because if he wouldn't have stolen his brother's eyes, he'd have been blind most of his life.