No face, no service
NPC bartenders shouldn't serve disguised PCs

If you think about it, why would a bouncer even let a disguised person walk into a bar? For all they know, they could be a blacklisted person. While shrouds and hoods are a common sight on the streets, and you'd look like an asshole for calling them out, I just don't think the same should apply in a bar situation where a bouncer would be keeping an eye out for troublemakers.

Since not all bars have coded NPC bouncers, the way it could work could be just that the bartender just doesn't let you buy a drink, and tells you to lose the disguise or get out.

There should always be that one bar that lets anybody in though. Like, you know… that one tavern that serves anybody, and it's full of hoods and shifty folks as a result.

Yea, Why I can only see it working for niche businesses

I think it's pretty fair and common for the community to ICly handle this. If you don't want people in your bar wearing hoods, tell them to take them off. They might oblige, or they might shoot you in the face, that's the risk you take for trying to push people around. Don't think we need to codedly ban hoods/shrouds/etc.