Cheese Enchiladas

Name: Cheese Enchiladas
Cuisine: American, Mexican, Latin American
Ingredients: 1 C. grated goat cheddar cheese (opt. topping); 1 C. plain yogurt (optional topping); 2 Tablespoon chopped onion (optional topping); 3 Tablespoon oil; 1 to 2 Tablespoon chili powder; 2 Tablespoon flour; 2 C. water; 1 t. vinegar; 1/2 t. garlic powder; 1/2 t. oregano; 1/2 t. salt (or less); 8 brown rice tortillas; 2 Tablespoon oil (optional); 2 C. cooked pinto or black beans; 4 Tablespoon chopped green onion; 1 C. cottage cheese, soft goat cheese or plant-based ricotta; 1/2 C. chopped green, red, or other color, pepper; 1/4 C. chopped almonds or sunflower seeds; 1/2 C. wheat germ (optional); 1/2 C. chopped black or green olives (optional)