The string type offers an indexer property that allows you to treat it as a char array. Therefore, if you just need to
access a specific character or iterate over all of them, the ToCharArray call should be omitted. For these cases, not omitting makes the
code harder to read and less efficient as ToCharArray copies the characters from the string object into a new Unicode
character array.
The same principle applies to utf-8 literals
types (ReadOnlySpan<byte>, Span<byte>) and the ToArray method.
