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To make the pickled onions, slice a red onion as thinly as you can. Put the onion into a bowl with the juice of one fresh lime. Add salt and sugar to your taste and stir. Let the mixture sit on your counter for about 20 minutes. The onions will give off some of their red color and you will have pretty pickled onions after a brief period of marinating.
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To make the chili, heat oil in a large skillet. Add the onion and saute until the onion is soft and beginning to take on a little color. Add the spices and garlic and saute briefly until the mixture is fragrant. Add the beans and tomatoes to the mixture and a little salt. Simmer until the tomatoes are heated through and begin to break down. This will take about 20 minutes.
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Taste and adjust seasonings. Garnish with pickled onion, chopped cilantro, sour cream and diced avocado.