Preheat oven to 400 degrees.
In a large skillet, heat the oil over medium high heat. Add ground beef and onions and spread out over the pan. Brown for 3 minutes, flip, then continue to cook another 7-8 minutes, stirring occasionally, until beef is browned and onions are softened. Drain the fat. Season with salt, pepper, and garlic powder. Place meat mixture in the bottom of a 9 x 13 inch pan or 2 9 inch pie pans or baking dishes.
In a mixing bowl, whisk together cream soup, sour cream, and milk. Pour over the hamburger mixture.
Scatter green beans over top of the soup mixture. Scatter shredded cheese over green beans.
Arrange the tater tots on top of the cheese in tight rows. You might have 2-3 leftover, but you'll use most of the bag. Spray with a vegetable oil or coconut oil spray for extra crispiness, if desired. Bake for 30-35 minutes, or until the casserole is bubbly and tater tots are browned. If you like your tots to be extra crispy, turn on the broiler and broil for a final 2-3 minutes.