There's no such thing as an absolute. If you fly at night, have an engine failure, and aim for the middle of a black area you may still end up flying into somebody in their bed. If you're flying straight and level at 2000 feet over somebody out for a walk, you may have a first cardiac event and plow directly into them with no control. Both scenarios are unlikely, but stranger things have happened.
In a hang-glider or paraglider, they say that you should consider a ditching to be unsurvivable and I suspect the same might be true for some fixed wing aircraft and flexwings. That said, in the scenario you describe the aircraft is worthless and I would risk first of all the aircraft, then secondly my own life, to avoid killing or hurting other people. That might include crashing the nosewheel into the beach (i.e. aircraft stop faster without a nosewheel) in order to attain a shorter ground roll.
I've often wondered what a 'fly on the wall' landing would be like in a 152. One for the simulator tonight, I think.