Arrange corn chips on a large platter, or use broiler pan as a platter
Combine salsa ingredients in a bowl, set aside for flavors to marry
Heat a medium nonstick skillet on heat about medium high. Add oil, onion, garlic, and peppers to pan and saute for 2 minutes. Add meat and crumble with a wooden spoon. Season meat with chili powder, salt, cumin, and cayenne pepper sauce. Cook meat for 5 minutes and stir in beans. Reduce heat to low.
Take a medium sauce pot and melt butter and add flour to it. Cook for 1 to 2 minutes over moderate heat then whisk in milk. When it starts to bubble, stir in cheese with a wooden spoon. Remove sauce from heat.
Pour cheese evenly over the chips and top with beef and beans and the salsa. Serve immediately ir garnish with your choice of optional toppings.