Terminal Velocity depends on two things- surface area and speed. These are inversely proportionate.
Terminal velocity depends on two things: Drag force and gravity. These very much are not inversely proportional to one another. Terminal velocity is reached when the drag force is equal but opposite to gravitational force.
To a bacterium, drag force is proportional to speed. Bacteria live in extremely low Rayleigh number regimes. We humans "live" in high Rayleigh number regimes. In those regimes (falling coins, flying aircraft, re-entering spacecraft, and parachutes), drag force is proportional to the square of velocity.
Note that I've written drag force rather than surface area. Surface area does have a marked influence on drag force. However, different objects with the same surface area can be subject to markedly different drag forces. The shape of the object also comes into play. A nicely shaped wing will offer much less air resistance than will an object such as a parachute even if the wing and parachute have the same surface area. The coefficient of drag distinguishes the wing from the parachute. The drag force on an object moving at some velocity $v$ is given by $F_d = \frac 1 2 \rho v^2 c_d A$, where $\rho$ is the density of air, $v$ is the velocity of the object, $A$ is the cross section area, and $c_d$ is the coefficient of drag.
By design, a good wing has a very low coefficient of drag and a low cross sectional surface area. By design, a good parachute has a very high coefficient of drag and a large cross sectional surface area. It's the combination of the two factors (coefficient of drag and surface area) that make terminal velocity so low for an object descending with a parachute.