Bullets are tiny and spins, most bullet vest are kevlar, which is a fabric that will entangle the bullet and force the energy to bleed out thus trapping the bullet. A knife is designed to cut, so when they stab the kevlar, because it doesn’t spin, it just cuts the fabric (provided there’s enough thrust) and enters the person.
In layman’s term, a bullet does piercing damage, a kevlar vest provides piercing protection, a knife does slashing damage, which a kevlar vest does nothing for. you require slash protection (plate or armor).
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