Warm the oil in a large nonstick skillet over medium heat. Add the onion, garlic, and ground beef, then cook while breaking apart the meat until it is browned throughout. Stir in the taco seasoning and salt if needed.

Melt the butter in a small saucepan. Whisk in the flour until smooth and cook for 1 to 2 minutes. Gradually add the milk, whisking with each addition. Once the sauce is smooth, remove it from the heat, mix in the cheese, and season to taste.

Place a large flour tortilla on a flat surface. Add the beef, queso, crunchy layer, sour cream, salsa or hot sauce, tomato, lettuce, and cilantro in the center.

Fold the tortilla edges inward around the filling. Transfer the folded wrap to a hot oiled skillet and cook for a few minutes on each side until the outside is firm, crisp, and golden brown.

Slice the Crunchwrap Supreme and serve with mashed avocado and hot sauce on top if desired.