In a large skillet over medium heat, warm the oil.
Add the ground beef and cook, stirring frequently to break it up, until browned, about 5 minutes.
Sprinkle in the chili powder, garlic powder, onion powder, cumin, and cook for 1 to 2 minutes. Season to taste with salt and pepper. Let the ground beef cool before assembling the burritos.
Lay the tortillas on a flat surface. Spread ¼ cup beans over the surface of each tortilla, leaving a 2-inch border around the edges.
Top each tortilla with ¼ of the ground beef, ¼ cup of rice, and ¼ cup of cheese.
Roll each burrito up by folding in the sides and then firmly rolling from one edge, keeping the sides tucked in. Wrap each burrito in foil, and label if necessary. Refrigerate or freeze until you're ready to cook.
To heat the burritos, set them on a campfire grate over hot coals, or on a portable grill over low flame, or in a skillet on a camp stove over medium heat. Cook until the filling is heated through and the cheese is melted, about 20 minutes for thawed burritos. Frozen burritos will require an additional 5 to 10 minutes.
Serve with hot sauce, if desired.