lard or bacon drippings are part of good refried beans as are good flavorful beans.
4 T bacon drippings or lard
1 medium onion,
3-5 cloves garlic, minced,
2 cups pinto beans and their cooking liquid (leftover borracho beans are best--a mexican dish of seasoned cooked beans with some liquid--here's a Food TV recipe that looks OK Recipes : Borracho Beans : Food Network
lots of canned goods, but easy to sub in the real thing and make it better)
Chicken stock/beer as needed
ground chile powder (not chili powder for making chili, just ground dried chiles) to your heat preference. Varies with the type of ground chile you use.
Salt and pepper to taste
Heat fat in a good sized skillet. Saute onion for a few minutes, then add the garlic. Stir around just a moment to distribute the garlic, then add the beans and ground chile to taste. Season with salt and pepper.
Simmer and mash with the back of a spoon. Don't mash it smooth as some whole beans for texture are nice. Add chicken stock as needed to keep them moist. Simmer 15-20 minutes adding stock to achieve your desired consistency. Taste and correct seasonings.