Heat a large pot over medium heat and add a splash of oil. When shimmering, add chopped onions and cook until translucent, about 5 minutes, until they smell sweet and look glossy.
Add the minced garlic to the onions and cook for another minute, stirring constantly; it should become fragrant and slightly golden.
Pour in the ground meat, breaking it apart with a spoon, and cook until browned and cooked through, about 8 minutes, until it turns a rich color and releases some fat.
Stir in the chili powder, smoked paprika, and cumin, coating the meat and onions evenly. Toast the spices for 1-2 minutes until fragrant, causing the mixture to smell warm and spicy.
Add the diced tomatoes with their juice and stir everything together. Let it simmer for 10 minutes, allowing flavors to meld and the sauce to thicken slightly.
Pour in the broth and bring the mixture to a gentle simmer. Cover with a lid and cook on low heat for 30 minutes, stirring occasionally and watching for bubbling.
Stir in the cooked beans and chopped dark chocolate, allowing the chocolate to melt fully and integrate into the sauce, adding depth and richness.
Uncover and simmer for another 10-15 minutes, stirring occasionally to let the chili thicken and develop a smoky, spicy aroma that fills the kitchen.
Taste and adjust seasoning with salt and pepper as needed, smoothing out flavors and balancing the smoky heat.
Once the chili is thick and flavorful, ladle it into bowls and serve hot, garnished with your favorites like chopped cilantro or shredded cheese if desired.