My answer will be that water is a strange substance because its density decreases when the temperature drops to 4º C.
As the temperature of the water falls below 4ºC, what happens is that the density of this decreases. With this, the layer of water exposed to the atmosphere has a lower density than the bottom layer. The top layer freezes before the bottom one, giving the opportunity for water in the bottom to remain liquid. This is how aquatic life survives.
In other words, the survival of life is proportional to the depth of the lake: thus, in a puddle it is impossible to have life in the lower layer of water, while in a large lake it is possible.