if they don't use the CPU 680EC20, and use the 68020???
The 020 isnt like the 040 and 060 chips, the "standard" 020 doesnt have an FPU or MMU, the FPU is always external (same as the 030).
The difference between an 020 and an EC020 is the EC chip only has a 24bit address bus.
So basically the FPU will always be external on an 020 and if Commodore wanted they could have just stuck an FPU on to those pads... they just didnt.