If you cut the fresh toppings up while the sauce simmers you really can have this meal ready in about 30 minutes. You can also double the sauce when you make it and freeze half for another time. This will even save you more time the next time you have this.
In a large pot, brown beef until fully cooked; drain.
Stir in the chili powder, flour, salt and garlic powder until blended; gradually stir in water.
Add the beans and bring to a boil. Reduce heat; simmer, uncovered, for 12-15 minutes or until thickened, stirring occasionally.
To serve, divide chips among six serving bowls. Top with beef mixture followed by cheese, tomatoes and onion; garnish with sour cream and cilantro, if desired.