You can get a `utf8` or `utf16` "view" of a string, and index it like normal array (`myString.utf8[0]` gets the first utf8 character). But it's not going to work with complicated emoji, or different languages that may have representations into utf16, etc. Again, I think the vast majority of people don't care for complete correctness across all possible string representations, and possibly Swift has gone too far here — as noted by all the Stack Overflow posts and clunky API

On the array-pass-by-reference, I'd argue that it's valuable to learn those semantics and they aren't particularly complicated. They offer huge benefits relating to bugs caused by unintentionally shared state. Marking the parameter `inout` is a small price to pay, and really forces you to be explicit about your intentions