As I asked before, Wasn't all this addressed in your previous thread?

", I created a ASCII file, I write it back to disk. This is now consider a raw bin file."

No.

A binary file is one in which the data is in a pure binary format; it requires some processing in order to display it in a meaningful format;
An ASCII (or text) file is one in which the contents can be sent to a printer with no processing and each byte will produce a printable character; ie, letter, digit, punctuation, etc

If you type a binary file on your screen, you will get all sorts of weird characters, beeps, etc - and probably totally corrupt the display!
Try it with a .exe file if you really want to see what I mean...!! :-0

The Intel Hex format is an ASCII representation of binary data; the Hex file itself is plain ASCII - you can print it or type it on your screen - but it represents the binary data to be programmed into a PROM, etc.

"The Intel hex format only requires the starting address?"

The Intel Hex format requires a start addres for each block

"does the programmer increment to the next memory location?"

Within a block, yes; but each new block starts by specifying its start address.