Heat the oil in a large heavy-bottomed saucepan over medium-high heat. Add the carrots, bell pepper, onion, and ½ teaspoon of the salt and sauté, stirring occasionally, for 5 minutes. Add the chili powder and sauté, stirring continuously, for 30 seconds. Immediately add the water to prevent the spices from burning.
Stir in the quinoa, beans, and remaining ¼ teaspoon salt. Bring to a boil. Reduce the heat to low, cover, and simmer until the quinoa is fully cooked (the individual grains will burst open, revealing the germ), 15 to 20 minutes. If there is any remaining water in the pot, stir and simmer, uncovered, for a couple of minutes more. Stir in the kale (if using), and cook just until wilted. Taste and add salt and black pepper if needed.
Divide the quinoa pilaf among four bowls. Top each bowl with a fried egg, if desired, and your toppings of choice.