Over moderate heat, add two tablespoons EVOO, two turns around the pan, to a deep pot and combine onion, peppers, and garlic. Sauté for 3-5 minutes to soften vegetables. Deglaze pan with beer or broth, add tomatoes, black beans and red kidney beans and stir to combine.
Season chili with cumin, chili powder, hot sauce, and salt. Thicken chili by stirring in refried beans. Simmer over low heat about 5-10 minutes longer, then serve up bowls of chili and top with shredded cheese, scallions, and fresh tomato. Place bowls on charger plates piled with assorted tortilla chips.