In a skillet over medium heat, add the olive oil. Once hot, add the thinly sliced everything bagels. Toast them until they are golden brown and crispy, about 5-7 minutes. Stir occasionally to prevent burning. Once done, set aside.
In a large pot, bring salted water to a boil. Add the short cut pasta and cook according to package instructions until al dente. Drain and set aside.
In the same pot, melt the butter over medium heat. Once melted, whisk in the flour until a paste forms, cooking for about 1 minute. Gradually pour in the whole milk while whisking continuously to avoid lumps. Cook until the mixture thickens, about 5-8 minutes.
Reduce the heat to low and stir in the grated zucchini, sharp cheddar, and Havarti cheese. Mix until the cheese has melted and the zucchini is well incorporated. Season with garlic powder, cayenne pepper, kosher salt, and pepper to taste.
Add the cooked pasta to the cheese sauce, stirring gently to coat every piece with the creamy mixture.
Spoon the Sneaky Zucchini Mac and Cheese into bowls and top generously with the everything bagel chip crumbs. Enjoy it warm for the best flavor and texture!
