MamaTexan, we HAVE ALWAYS put beans in our chili down here in Georgia.
Grew up next to a man from Mexico whose wife taught mom to cook chili. She used beans, but not ground beef, She did use cut up meat.
Now tell me what the coffee does? I've never heard that.
Nor using coco.
To me, it seems to give it a subtle, smokey flavor and enhances the affect of the herbs and spices.
I've heard of using cocoa, but I've not ever tried it.
It just sounds....ICK!
LOL!