Final answer:
The question appears to inquire about characterization and actions within a narrative context, but unfortunately, the provided text excerpts do not give enough information regarding Fred's specific situation or reputation to provide a definitive answer.
Step-by-step explanation:
The texts provided seem to be excerpts from literary works or scenarios related to decisions about money, such as borrowing, theft, and trustworthiness. However, the initial question about Fred's actions, his success or failure, how the girl responded, and Fred's reputation does not have enough context provided in the excerpts for a definitive answer. In the absence of concrete details about Fred's situation, no clear response can be given regarding whether he attempted to steal, borrow, return, or earn money. Similarly, the reason for his failure and how the girl responded cannot be accurately detailed without further context. Fred's reputation is also undetermined based on the information provided.