Heat the oven to 400°F. Spray the bottom and sides of an 8-inch square pan or 9-inch round cake pan with the cooking spray.
Melt butter in microwave
In a large bowl, beat the melted butter, milk and egg with a fork or wire whisk until well mixed. Add the cornmeal, flour, sugar, baking powder and salt all at once; stir just until the flour is moistened (batter will be lumpy).
Brown the ground beef. Drain oil
Chop onion & garlic, cooking briefly in skillet
Mix all chili ingredients together and pour into a 9x13 baking pan
Pour Cornbread batter over chili; use a rubber spatula to scrape batter from bowl. Spread batter evenly in pan and smooth top of batter.
After 15 minutes, top with cheese
Bake 20 to 25 minutes or until golden brown and a toothpick inserted in the center comes out clean. Serve warm.