Cook the beef filling: In a skillet over medium heat, brown the ground beef with the onion until the onion softens and the beef is cooked through. Add garlic and cook 30 seconds.
Season: Stir in taco seasoning and water. Simmer 3–5 minutes until the mixture looks saucy and flavorful. Taste and adjust with salt if needed.
Warm tortillas: Heat tortillas in a dry skillet for 10–20 seconds per side, just to make them pliable.
Layer the wraps: Lay a tortilla flat. Spread a thin layer of refried beans (if using), add a generous scoop of beef, sprinkle cheese, and finish with crushed tortilla chips.
Fold and seal: Fold the sides in, then roll tightly like a burrito. Place seam-side down.
Cook until crisp: Brush or add a little butter/oil to the skillet. Cook wraps seam-side down first for 2–3 minutes until golden, then flip and cook another 2–3 minutes until crisp.
Top and serve: Slice if desired and top with shredded lettuce, diced tomatoes, sour cream, and salsa. Add lime wedges for extra brightness.
