[hanche]

A theory, yes. Those who say “only a theory” tend to confuse theory with hypothesis, which is much looser. A theory is a coherent set of principles serving to explain a range of phenomena. Emphasis on coherent, meaning not only internally consistent, but also consistent with related knowledge. The road from hypothesis to theory can be long and tortuous.

[techrat]

My question was meant to be rhetorical in response to the OP.

We have many things labelled to be a theory that are complete enough to be acceptable answers while still being considered relatively incoherent or insufficient to science.