First make the fry bread. Mix the flour, salt and baking powder in a bowl.
Pour in the water and mix to make a dough.
Let it sit for 5 minutes.
Put the dough on a floured surface and break off golf ball-sized pieces.
Roll each one out to a ½-inch thick 6-inch round.
Heat the oil in a 2-inch deep pan and fry each bread disc until puffed up and golden.
Flip to cook the other side, then drain on paper towels.
Heat the oil in a large nonstick skillet and saute the onion in there for 2 minutes.
Add the garlic, green chilies and cook for 20 seconds, then push to the side and add the beef to the skillet.
Season to taste and cook until the beef is completely browned.
Drain off the excess grease.
Stir in the spices, beans, tomatoes, and chilies.
Add more salt and black pepper if needed.
Spoon the mixture over the fry bread using a slotted spoon.
Top with your preferred toppings and serve right away.