Casey, do you have friends in a marina that is near your wife? If she does not want to get her HAM lic. then maybe she can visit your friend's boat with an SSB and use that?
If she doesn't want to leave the comfort of your own house, then a HAM lic. is the way to go.
In Canada, we need our ROC(M) to use the Maritime SSB, so in either case she'd need a lic.