Peanut Butter Chili

Name: Peanut Butter Chili
Ingredients: 1 (14.5-ounce) can diced tomatoes; 1/2 cup water; 3 cloves garlic, minced; 2 bay leaves; 1/2 teaspoon cayenne pepper, or to taste; 1 teaspoon chili powder; 1 teaspoon garlic powder; 1 teaspoon Italian seasoning; 1 (15-ounce) can black beans, rinsed and drained; 1 (15- ounce) can kidney beans, rinsed and drained; 1/3 cup creamy peanut butter; Kosher salt and freshly ground black pepper; 1 cup shredded Cheddar, optional; 2 cups tortilla chips, optional