yeah, I've heard people say "at high speed, hitting the water is like hitting concrete", but that's clearly not true; otherwise you wouldn't go underwater at all.
Late reply, but that isn't true. If you a heavy object hits concrete it will go through the concrete, just like it would go through water. In the case of a human, it will potentially crush every bone in the process, but you will still go through it if the kinetic energy vs binding energy is in the right balance.