In a large, heavy pot or enameled cast-iron dutch oven, heat the oil. Add half of the ground meat and cook over high heat, breaking it up with a wooden spoon, until browned, about 5 minutes; transfer to a bowl with a slotted spoon. Brown the remaining ground meat and add it to the bowl with the first batch.
(For vegetarian, skip above step, add the oil to the pot and follow directions below)
Drain all but 2 tablespoons of oil and add the onions and jalapeños and cook over medium heat, stirring occasionally, until the onions are translucent, about 8 minutes. Add the garlic, tomato paste, chile powders, cumin and black pepper and cook for 5 minutes, stirring occasionally. Add back the meat (if using) and stir in the broth, beans, diced tomatoes, maple syrup, beer, and vinegar.
Bring up to a boil, lower the heat and simmer, covered, for one hour, stirring occasionally. Remove cover and simmer for 30 minutes longer, until chili is thick. Turn off the heat and stir in the chocolate until it’s fully melted. Add the lime juice, season with salt to taste.