Heat oil in a skillet; sauté onion 3-4 min, garlic 1 min. Add beef or beans; cook 5-7 min (or 3-4 min for beans).
Add chili powder, cumin, paprika, salt, pepper, and water; simmer 2-3 min. Taste and adjust the seasoning.
Whisk sour cream, salsa, lime juice, and cumin for dressing.
Layer lettuce, beef or beans, tomatoes, cheese, corn, avocado, olives, and chips in white ceramic bowls.
Drizzle with dressing; garnish with cilantro, lime, and jalapeños. Serve with tortillas and beer.