Nachos Bell Rarebit

Name: Nachos Bell Rarebit
Ingredients: 1 to 2 tablespoons vegetable oil; 1 teaspoon chili powder blend; 1/2 teaspoon ground cumin; One 12-ounce can black beans, drained and rinsed; 9 ounces good-quality tortilla chips, such as Donkey Chips; 1 cup shredded Mexican cheese blend; Beerbit Sauce, recipe follows; 2 green onions, thinly sliced; 1 tomato, seeded and diced (about 1/2 cup); 2 tablespoons chopped fresh cilantro; 1 cup sliced pickled jalapenos; 1/2 cup sour cream; 3 tablespoons butter; 3 tablespoons all-purpose flour; 1/2 cup whole milk; 1/2 bottle lager (about 3/4 cup); 1 teaspoon Sriracha; 1 cup shredded Monterey jack; Kosher salt and freshly ground black pepper