Toast the tortilla: Slice the tortilla into 1/2-inch strips. Heat a large skillet over medium heat with 1/2 teaspoon oil.
Add tortilla strips and toast 2–3 minutes, stirring, until crisp and lightly golden. Remove to a bowl.
Warm the beans: In the same skillet, add black beans with chili powder, cumin, and a pinch of salt. Cook 1–2 minutes until warm and fragrant.
Transfer to the bowl with tortilla strips.
Sauté the veggies: Add the remaining 1/2 teaspoon oil. Toss in bell pepper and a pinch of salt. Cook 2–3 minutes until slightly soft.
Stir in green onion for the last 30 seconds. Add to the bowl.
Scramble the eggs: Whisk eggs with a pinch of salt and pepper. Pour into the skillet and cook over medium-low, gently pushing curds until just set, 2–3 minutes.
Keep them soft; they’ll continue to cook off-heat.
Build the bowl: Add eggs to the bowl. Sprinkle cheese over the warm ingredients so it melts. Spoon on salsa.
Top with avocado and a small dollop of Greek yogurt if using.
Finish and serve: Squeeze lime over the top and add cilantro. Taste and adjust salt and pepper. Eat right away while warm and melty.