Preheat oven to 375 degrees and spray a 9x13-inch baking dish with cooking spray.
Crumble and brown the ground beef in a large nonstick skillet over medium-high heat.Once the ground beef is broken into pieces, add the onion.Cook until there is no longer any pink in the ground beef.Drain off any grease.
Add ketchup, chili beans, brown sugar, mustard, Worcestershire sauce, and garlic powder. Mix well and bring to a simmer. Season to taste with salt and pepper.
Transfer mixture to prepared baking dish.
Sprinkle Fritos on top of ground beef mixture.Sprinkle cheese on top of Fritos.
Bake for 15 minutes.
Notes
Note: You probably will not need the entire bag of Fritos.