Set up a script that runs on file open - set in File->File Options (in FM12, it's under script triggers - OnFirstWindowOpen). The script needs to contain "Show/Hide Status Area" (FM11) or "Show/Hide Toolbars" (FM12) from the "Windows" category of script steps. Select Hide, and select the Lock checkbox.
If you, as developer, need to be able to show the toolbar for development, you can put a privilege check in the On Open script that only does the hiding for non-admin accounts. Alternatively, you can create an unlock script that contains a privilege check.
Awesome thank you! I also put in a If does not equal "[Full Access]" statement to only show the toolbar for admin rights users. Thank you so much!