Not only you need to initialize both the array and subarrays before being able to assign any values, but also each array length must be greater than the index position you are trying to set.
This is because Swift does neither initialize the subarrays for you, neither increments the array length when assigning to an index.
For instance, the following code will fail:
var a = [Int]()
a[0] = 1
// fatal error: Index out of range
Instead, you can initialize an array with the number of elements you want to hold, filling it with a default value, zero for example:
var a = Array(repeating: 0, count: 100)
a[0] = 1
// a == [1, 0, 0, 0...]
To create an matrix of 100 by 100 initialized to 0 values:
var a = Array(repeating: Array(repeating: 0, count: 100), count: 100)
a[0][0] = 1
If you don't want to specify an initial size for your matrix, you can do it this way:
var a = [[Int]]()
a.append([])
a[0].append(1)