Vegetarian Burrito of Guiltless Gluttony

Name: Vegetarian Burrito of Guiltless Gluttony
Ingredients: 2 cups water; 1 cup uncooked white rice; Beans:; 2 tablespoons olive oil; 1 clove garlic, minced; 1/2 red bell pepper, finely chopped; 1 (16 ounce) can fat-free refried beans; 1 teaspoon chili powder; 1 teaspoon ground cumin; 1/2 teaspoon salt; 1/4 teaspoon ground black pepper; 1/4 cup chopped fresh cilantro; 1 splash lime juice; Fixings:; 1/2 (6 ounce) can black olives, halved; 1/2 tomato, diced; 1/2 sweet onion, chopped; 1 jalapeno pepper, chopped; 1 lime, cut into wedges; salt to taste; 1 cup plain fat-free Greek yogurt; 1/2 cup shredded Cheddar cheese, or to taste; 1/4 cup chopped fresh cilantro, or to taste; 4 (10 inch) flour tortillas