A premium account! It actually kind of sucks how little you get with being a regular member. The sub-folders within folders should definitely be automatic. That and uploading multiple images at once. I was extremely shocked to find out those two things weren't an option unless you paid. It sucks because I run an animal rescue and I'm basically unemployed (I work part time, commission only but the pay is absolute crap) so my money goes towards my pets, the animals in my rescue, and an attempt to pay my bills (which I'm unbelievably thankful to my parents for helping with but they're struggling bad too so I'm only screwing them over, which isn't fair at all). I wish there was a better site for stuff like this. One where you could upload multiple images, have folders and within folders have sub-folders so it's even more organized. It would look so much better. Photobucket is 1000% better when it comes to uploading images since they allow multiple, resizing and also tagging (which I know this allows tagging but just saying hah). Uploading one at a time is a pain in the rear!
Random rant. The end!