Because the velocity is changing. You could use the average velocity though (so long as you have a constant acceleration as you do in this case).
For a constant acceleration, v-average = (vinitial + vfinal) / 2. So for this question, the average velocity is 0 + 20 / 2 = 10. 200 / 10 makes 20 seconds.
v = d/t, so d= v * t, is only true if the the value of v applies to the whole time that you are talking about.