Disable the admin bar for any user who is not admin, can't edit users and can't edit posts.

my_custom_disable_admin_bar.php

/*
	Disable the admin bar for any user who is not admin,
	can't edit users and can't edit posts.
	Add this code to a custom plugin.
*/
function my_custom_disable_admin_bar() {
	if(!current_user_can('administrator') && !current_user_can('edit_users') && !current_user_can('edit_posts')) {
		add_filter( 'show_admin_bar', '__return_false' );
		add_action( 'admin_print_scripts-profile.php', 'habfna_hide_admin_bar_settings' );
	}
}
add_action('init', 'my_custom_disable_admin_bar', 9);