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In a large saucepan, brown the ground beef with the minced onion and garlic powder. Drain and add to the base on the Instant Pot insert. (Note: You can use the saute function of your Instant Pot to brown the ground beef. I just prefer to brown it in a skillet.)
With the ground beef, stir in the drained white beans and beef beef broth.
Set on high and cook for 15 minutes.
Let release naturally, then open it up and stir in the milk and shredded cheese. Leave it on warm and stir until the cheese is melted and warmed into the soup base. Season with salt and pepper to taste.
Cook and crumble the bacon, if needed.
Serve Bacon Cheeseburger Chili with bacon topping, and side of veggies.