Ask HN: Family photo cloud

I am so frustrated with all the cloud options out there. Currently I am using iPhoto with iCloud and my wife and I have to have seperate accounts in order to have files automatically save to the cloud. Which isn't that big of a deal. I just uploaded the 5G of photos she had on her phone to my computer so that I could free up enough space to upgrade her phone to iOS9. I then logged into iCloud.com using her credetials and started uploading everything into iPhoto. But wait: only the JPG files will upload. Why can't I upload .MOV or .PNG?

Dropbox won't work because I can't do any type of a family sharing type thing and I don't want to have to pay for two pro accounts and have each one use 5 Gig. The other problem is that I want my cloud to save the originals in the cloud and have the client store low res photos and dynamically load the high res when I am browsing or request for the original (similar to iPhoto).

Does anyone know of a good photo cloud solution? Or am I going to have to spend a week building my own?