Nachos for dinner? Yup.
Preheat the oven to 400°.
Heat a medium cast-iron skillet over medium to medium-high. Add the oil, two turns of the pan. Add the beef. Cook, stirring occasionally and breaking up the meat with a spoon, until browned, about 5 minutes; season with salt and pepper. Add the spices. Cook, stirring often, until aromatic, about 1 minute. Add the onion, chile, and garlic. Cook, stirring often, until softened, about 3 minutes. Add 1/2 cup water. Cook, stirring often, until absorbed, about 4 minutes. Stir in the beans. Reduce heat to low.
Scatter the chips on a rimmed baking sheet. Toast in the oven until lightly browned, 3 to 5 minutes. Transfer to a basket or bowl. Switch on the broiler.
Top the beef and beans with the cheeses. Broil until browned and bubbly, about 2 minutes. Top with the tomato, oregano, jalapeño slices, cilantro, avocado, and scallions.
Serve the dip directly from the skillet with the chips.