Even if she spent the money for more iCloud storage that wouldn't do what you wanted anyway. Photo Stream in iCloud only holds the last 1000 photos or three months (which doesn't actually count towards your iCloud storage allowances).

If you want to see all your photos you need to use Home Sharing. I think I'm right in saying you can point that at a folder rather than iPhoto, though wether it shows you the folder structure I'm not sure.

Home Sharing means leaving the Mac on to access the photos.