Someone screwed up your reincarnation papers, and you’re reborn as yourself. You start your whole life over, with all the knowledge and wisdom (or lack thereof) you had when you died.
“Why does the third of the three brothers, who shares his food with the old woman in the wood, go on to become king of the country? Why does James Bond manage to disarm the nuclear bomb a few seconds before it goes off rather than, as it were, a few seconds afterwards? Because a universe where that did not happen would be a dark and hostile place. Let there be goblin hordes, let there be terrible environmental threats, let there be giant mutated slugs if you really must, but let there also be hope. It may be a grim, thin hope, an Arthurian sword at sunset, but let us know that we do not live in vain.”
— Terry Pratchett, “Let There Be Dragons” (A Slip of the Keyboard)
Mermaids with hair over their eyes are usually from deeper waters. The sea floor has almost no light, so deep sea mermaids (few of which have functional eyes) visiting the surface would be blinded by the sun.
To mermaids, covering their eyes with hair is similar to sunglasses.
Deep sea mermaids are also shy, accustomed to dark waters for hiding their monstrous appearances.
Freshwater Mermaid: Howdy y’all, I’d like you to meet my cousin. She’s a little shy 🙂 30ft Tall Deep Sea Mermaid with hair so long it turns the water black: ᴴᵉʷʷᵒ