Messing around a bit here with an action. I think it’s a pretty clever result honestly! You need two layers (a background layer, and the layer you want the water on), make a mask on the “water” layer, click the action, and boomf, water people! Not that I can really think of a good use for it… I mean, lets be honest, how many times do you need to make water people? Fun nonetheless though :)
Get the action here:
http://graphicriver.net/item/instant-water-action/247764?ref=Zeplix