In a heavy pot, cook ground protein until browned, breaking up into smaller pieces. After mostly browned, removed from the pot. It's ok if it's not fully cooked yet, it'll finish cooking later.
Lower heat to medium, and add some oil to the pot, and sauté onions and peppers with a pinch of salt until softened. Scrape bottom of the pot to loosen any brown bits from the protein.
After onions & pepper are soft, add the beans, tomato sauce, Cajun seasoning, cumin, chipotle chili powder, bay leaves, and garlic powder. Stir until combined.
Continue cooking on low until mixture starts to simmer. Return protein to the pot and cover. Simmer for another 30 minutes - 1 hour.
After simmering, add additional water, salt, or pepper to thin the chili to your desired consistency and season to your preference. Enjoy!