Place oil in a large pot over medium high heat. When oil is warm add meat (if using), onions, green pepper, celery, and garlic. Saute until meat is browned and/or vegetables are soft, 5 to 10 minutes.
Add 1 teaspoon salt, tomatoes, and beans. Cook about 25 minutes if using canned tomatoes; 1 to 2 hours if using fresh tomatoes. Toward end of cooking time taste chili and add additional salt, 1 teaspoon or to taste, if desired. If chili seems too thick, stir in water a little at a time for desired consistency. Ladle into bowls and add toppings.