Because I spent more minutes hunting for this in the forum than I should have, and because I forgot to read the config file for a change, because it's painfully obvious there once you read it, here's what you need to do.
To disable the admin bar up top on a global or sitewide basis:
- open the wp-config file for editing on the server
- scroll down
- find these lines
// Uncomment to disable the site admin bar
//define( 'NOADMINBAR', 1 );
See those two // on the second line, right before the word "define"? Remove them. Save the file.
Mission accomplished.