In a skillet over medium heat, brown hamburger or turkey and drain off excess fat. Add taco seasoning mix, follow directions on the package. Add kidney beans to the meat mixture and set aside to cool.
In a large salad bowl, gently toss lettuce, tomatoes, onions, olives, cheese, seasoned meat, tortilla chips if using, and taco sauce.
Spoon into tortilla bowls and serve immediately. Top with low-fat sour cream, and/or salsa.
To make BAKED TORTILLA BOWLS: Preheat oven to 375 degrees. Coat the inside of 4 oven safe bowls with cooking spray. Gently press one burrito-size flour tortilla inside each bowl. Place the bowls on a large baking sheets. Bake for 14-16 minutes or until evenly browned. Let the tortilla bowls cool in baking bowls for 5 minutes, then transfer to a wire rack to cool completely.