Reverse the order of identity verification steps

What does this MR do and why?

Related to https://gitlab.com/gitlab-org/modelops/anti-abuse/team-tasks/-/issues/521.

Reverse the order of identity verification steps

From

1. Credit Card
2. Phone Number
3. Email

to

1. Email
2. Phone Number
3. Credit Card

Note:

All users are require email verification, medium risk users require email and phone verification and high risk users require email, phone, and credit card verification.

Why?

This increases the barrier to entry for malicious users who are looking to abuse phone number and credit card verification endpoints by requiring new users to verify their email first.

Screenshots or screen recordings

Screen_Recording_2023-11-21_at_7.16.22_PM

Before	After

How to set up and validate locally

Numbered steps to set up and validate the change are strongly suggested.

MR acceptance checklist

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