The
Kipling book of this name inspired
evolutionary biologists and
philosophers of
biology to nick-name the stories describing a reasonable evolutionary path to a certain existing phenomenon in nature
Just so stories.
The existence of the eye, for example, could be explained with a series of steps beginning with slightly photosensitive cells, through the creation of a small depletion under them that grows bigger and deeper, finally almost blocking them in, etc., with each stage having its evolutionary use.
The term “just so stories” is not considered too offensive, and is just a good natured, slightly self-mocking kind of expression.