Step 1: Heat oil in large saucepan over medium-high heat. Add 1 1/2 cups onions and next 3 ingredients. Sauté until beef is cooked through, breaking up with spoon, about 5 minutes. Add beans with liquid and tomatoes.
Step 2: Simmer until thickened, about 15 minutes. Mix in cilantro, salt, and pepper.
Step 3: Place sourdough toasts on plates. Top with chili, cheese, and remaining chopped red onions.
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