Well, the only god tier character without any handouts is Gai.
Kaguya = chakra fruit
Hagoromo = Mommy's chakra.
Sasuke = too long to list
Naruto = Kurama (altough he did had to tame him)
Now, the thing is, you don't get to this tier without "handouts", like it or not. In Madara's defense, he was already "someone" by the point he had to take his brother's eyes.
The problem is that you need to define what a handout is. Is taking power for oneself a handout? Madara taking Senju DNA in battle, the tailed beasts in battle, and pretty much everything he had (Except EMS) in battle, is that a handout? No, it's merit. The handout poster child would be Sasuke: Itachi's eyes, Orochimaru's curse mark, Rinnesharingan from Hagoromo ... pretty much all the powerups he had along the series came from external sources and freely given. Those are handouts.