Preheat the oven to 350°F (175°C). Spread half of the 9.25-ounce bag of Fritos across the bottom of a 9-by-13-inch baking dish. Keep the remaining half for the second layer.
In a large skillet over medium heat, cook the ground beef for about 8–10 minutes, breaking it into small crumbles, until cooked through. Drain excess fat.
Stir in the taco seasoning and the undrained 10-ounce can of Ro-Tel. Simmer for about 5 minutes, stirring occasionally, until lightly saucy without a pool of thin liquid. Simmer a little longer if needed; if the mixture gets dry, add water a tablespoon at a time.
Spoon half of the warm beef mixture evenly over the chips in the baking dish. Scatter 1 cup of the shredded cheddar over the beef.
Add the remaining half bag of Fritos, then the remaining beef mixture. Finish with the remaining 1 cup cheddar. Spread each layer gently without packing it down.
Bake uncovered for 15–20 minutes, until the cheese is melted and the edges are bubbling. A few light golden spots are fine; the top does not need to become deeply browned.
Let stand for about 5 minutes. Add whichever lettuce, diced tomatoes, onions, sour cream, salsa and jalapeños you like, or offer them separately at the table. Add these after baking.
Serve warm. Add optional extra fresh Fritos to each serving just before eating for crunch. The chips baked inside the casserole will soften as they take up some of the filling's juices.