Cook ground beef and onion in a large skillet over high heat until beef is browned; pour off excess drippings. Add garlic and cook 30 seconds. Stir in tomato sauce, water, chili powder, TABASCO® Habanero Sauce, and salt and bring to a boil. Reduce heat to low, cover, and cook 10 minutes, stirring occasionally. Add beans and cook 10 minutes longer.
To serve, divide chips between six bowls; spoon chili over chips and top with cheese.
Makes 6 servings.