Preheat oven to 350 degrees F. Heat olive oil in a non-stick pan over medium heat. Add peppers and onion and sauté until just soft, about 4-5 minutes. Set aside to cool. Toss whole grain tortilla chips in a food processor and process until finely ground (should resemble bread crumbs.) Combine all meatloaf ingredients in a large bowl and add ground chips and onion mixture. Mix well with hands. Go ahead and get those hands dirty to thoroughly combine. Spray muffin pan with cooking spray and divide meat mixture, evenly, in all cups. Bake for 30-35 minutes. Add your optional garnishes: fried egg, avocado slices, fresh chopped cilantro and hot sauce, if desired.