In a medium frying pan cook the ground beef over medium heat until browned. Drain access liquid and set beef aside.
While meat is cooking, add onion, green peppers, zucchini, garlic, and olive oil to a medium to large stock pot. Cook over medium heat until veggies begin to soften. This should take about 7 minutes. Add chili powder, ground cumin, oregano, cloves, and salt. Continue cooking for an additional 2-3 minutes, stirring frequently.
Turn heat to medium low and add the cooked beef, tomatoes, beans, water, bay leaves, and honey to stock pot. Stir until combined. Simmer for at least 30 minutes.
Serve with your choice of toppings. I suggest green onion, avocado, cheese, and/or sour cream