Patron accounts grant access to their content through campaigns. A character made in the campaign must be "owned" by the Patron/GM, but can be "controlled" by the player. To do this, your wife just needs the Apprentice Account.
While it is confusing, have some empathy because I and others literally begged for this functionality and Lone Wolf got it in as quick as they could. They're working on a more streamlined option, but for now it's a lifesaver for me.
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