White Bean, Cheddar and Bacon Dip

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6 slices bacon

1 cup minced onion

1 tablespoon minced garlic

1 1/2 teaspoons ground toasted cumin, or to taste

1 teaspoon chili powder

1(19-ounce) can white beans, such as cannellini, rinsed and drained

1 cup grated sharp white cheddar cheese

1/4 to 1/3 cup sour cream or yogurt, or to taste

2 tablespoons fresh lemon juice

Salt and cayenne, to taste

Assorted raw vegetables, such as carrot sticks, broccoli florets,

Bell pepper strips, etc. and/or tortilla chips as accompaniments