If using riced cauliflower, add it to a pot and cook until there is no excess water. Remove cauliflower from pot and turn heat to low.
Add remaining ingredients in cheesy rice layer to pot (leaving rice, quinoa, or cauliflower to the side).
Cook on low, stirring frequently, until cheese is melted. Remove from heat and stir in your rice, quinoa, or cauliflower.
Add oil to a separate pan or pot. Heat over medium-high heat.
Brown ground beef in the oil. It does not need to be cooked through, just browned.
Add remaining beef and bean layer ingredients. Cook, stirring occasionally 3-5 minutes until the peppers and onions are cooked and the mixture has thickened.