Memory Addressing How To?
You are confusing a description of one memory cell (the single transistor and capacitor in DRAM), and the whole memory circuit.  The memory cells are surrounded by circuitry that gets the data out of the cells on a read, and back into the cells on a write -- and with DRAM, it's complicated, because the whole business is optimized to minimize the amount of circuitry per bit.  This comes at the expense of complicated read, write, and refresh actions.

You have done the obvious and read the Wikipedia article?  The first figure in the section titled "Principles of Operation" shows a few cells and the surrounding circuitry.