question about passing associative array to a function

[rbutler via Digitalmars-d-learn]

I have searched and can not understand something about passing 
AAs to a function.
I have reduced the gist of the question to a tiny program below.
If I put "ref"  in the function stmt it works, i.e.:
         ref int[int] aa
My confusion is that AAs are supposed to be passed as refs 
anyway, so I do
not understand why I should have to use ref to make it work.

Related, it also works if I UN-comment the line    d[9] = 9;

Thanks for any helpful comments you can make.
--rbutler

import std.stdio;

void test(int[int] aa, int x) {
     aa[x] = x;
     aa[8] = 8;
}

void main() {
     int[int] d;
     writeln(d.length);
     // d[9] = 9;
     test(d, 0);
     writeln(d);
}