This is what had occurred. The confusing thing was I used the easy install script and it said it was installed. It took 3-4 attempts, and I think what did it was uninstalling Python 3.5 and installing Python 2.7.
Only then did the other 7-8 steps come up, and it installed erpnext. It went through the process several times but kept coming back to only the 3 steps in the wizard, stopping with adding first user. It never actually installed erpnext until I backed the python version down to 2.7.
I did the update bench --reset step and then it showed up