Found why the Final Grade was not showing.
The Grade Item, Grade Type was a Default() When I changed Grade Type to Real, the Final Grade was then visible regardless of Editting on or off. And now the student could see the grades too.
Even though the Administrator had Grades, Grade Item Setting, Grade display type: Real
AND individual course, Grades, Edit, Course settings, is also Default
So the puzzle now is: Why the Default Real value did not get used?
Yes I do see that Category Totals do say Real now, not sure what they were before.
FYI Reference that gave me hint as to Grade Type was a Forum Topic: Display score on gradebook don't count toward grade http://moodle.org/mod/forum/discuss.php?d=113043#p496514