This came up, not too long ago.
For some, a Fred is someone who is not in the "In Crowd."
For most of us, a Fred is an average guy (or girl) who rides for fun or fitness and is looked down on by that same "In Crowd."
Don, if you're a Fred, welcome to the club. By the way, I had no aversion to using this same club to beat the "In Crowd" if they dare turn their noses up to us Freds.