[jarek]

The number of people who don't know where the CVV code is located is dwarfed by the number of people who are roughly familiar with their card and would instead be confused by an unfamiliar-looking form.

You learn where the CVV is the first time you successfully buy something online. You learn how this specific form design works the first time you enter a website that uses it. Which do you think is going to be happening more frequently?