Lightly crush the chips by popping open the bag and giving the chips a few light whacks with a frying pan – be careful that they don’t fly out of the sack! Hold the bag loosely at the top with one hand while you crush the chips with the other.
Heat a large nonstick skillet over medium-high heat. Add 2 tablespoons EVOO, two turns of the pan. Add the beef to the skillet and brown and crumble it, 5 minutes. To the browned meat, add half the jalapeño peppers, three-quarters of the chopped onions and all of the garlic. Season the meat with the cumin, chili powder, salt and pepper. Cook together for 5 minutes more, then add the water and reduce the heat to low. Adjust the salt, to taste.
Halve and separate the avocados. Remove the avocado pits with a spoon. With the skin intact, using a small knife, dice the avocado while still in the skin. Scoop out the diced flesh and place in a bowl. Combine the tomatoes, remaining onions, jalapeños, and cilantro gently with the avocado and dress the salad with the juice of 1 lemon, remaining EVOO, and salt, to taste.
Layer a 1-2 handfuls of chips in soup or chili bowls and top with a handful of cheese. Fill the bowls with taco meat and top with more cheese, then mound up some salad on top and serve.