Brown ground beef in a large skillet over medium-high heat, then drain excess fat.

Incorporate taco seasoning and water into the beef and simmer for 5 minutes until liquid is reduced.

Heat refried beans in a small saucepan over medium heat until smooth and spreadable.

Heat oil in a small skillet and fry flour tortillas individually for 45 seconds per side until crisp and golden brown; drain on paper towels.

Construct pizzas by spreading a layer of refried beans followed by a layer of seasoned beef onto four fried tortillas.

Place a second fried tortilla on top of each beef layer.

Spread 2 tablespoons of sauce over the top tortilla and sprinkle generously with shredded cheese and olives.

Place assembled pizzas on a baking sheet and bake at 400°F (200°C) for 3 to 5 minutes until cheese is fully melted.

Top with diced tomatoes, sliced green onions, and optional sour cream before slicing into wedges.