1. Preheat oven to 350°F.
2. Heat the oil in a medium skillet over medium heat. Add the onion and sauté until softened, about 5 minutes.
3. Transfer onion to a large bowl.
4. To the bowl add ground beef, breadcrumbs, ketchup, Worcestershire sauce, Italian seasoning, garlic powder, and egg. Use your hands to squeeze and knead the meat until the seasonings are all mixed through. Do not overmix.
5. Line a large baking sheet with foil.
6. Transfer meat to baking sheet and shape into a 10×5-inch loaf.
7. Make a 2-inch wide trench in the loaf (see image above in post). Go down deep into the loaf but leave at least 1 inch of meat on the bottom.
8. Add cheese cubes to the trench. Use hands to smooth meat up and over cheese.
9. Bake for 45 minutes.
10. Remove meatloaf from oven and spread with tomato sauce and top with shredded cheese.
11. Return meatloaf to oven and bake until internal temperature on an instant read thermometer is 160°F, 10-20 more minutes.
12. Remove meatloaf from oven and let rest for 10-15 minutes.
13. Slice and serve.

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