Heat the avocado oil in a large pot over medium-high heat. Add the beef and let it sit for 3 minutes before breaking it up, so it browns. Cook 6 to 7 minutes until crusty, then move it to a plate.
Add the onion and bell pepper to the drippings and cook 5 minutes until soft. Stir in the garlic, chili powder, cumin, smoked paprika, oregano, cinnamon and salt and toast for 1 minute.
Add the chipotles and adobo, crushed tomatoes, black beans, broth and the beef. Bring to a simmer, then lower the heat and cook uncovered for 30 minutes, stirring now and then.
Stir in the cocoa powder and chopped chocolate until the chili turns glossy. Simmer 3 more minutes.
Turn off the heat, add the lime juice and cilantro, and taste for salt. Serve with avocado, jalapeno and more lime.