Why can't humans focus their eyes underwater without goggles?

Light rays bend when they enter from one medium to another of different density. The amount of bending is determined by the refractive indices of the two media. If one medium has a particular curved shape, it functions as a lens. The cornea, humours, and crystalline lens of the eye together form a lens that focuses images on the retina. Our eyes are adapted for viewing in air. Water, however, has approximately the same refractive index as the cornea (both about 1.33), effectively eliminating the cornea's focusing properties. When our eyes are in water, instead of their focusing images on the retina, they now focus them far behind the retina, resulting in an extremely blurred image from hypermetropia.