Hello,
Thanks for posting your query at DoctorSpring. I can understand your concern.
From the pictures, it seems that your wife has miliaria or heat rash over the neck, it doesn't seem to be a fungal infection.
I would recommend that she would need a stronger strength steroid cream.
Hydrocortisone cream is a very mild cream and may not be giving her any relief.
She would need a stronger strength steroid cream like mometasone on the affected area. It would require a prescription.
Also to control the itching, tab. Loratidine would be helpful. This medication would help to control itching effectively.
Please let me know if you have any queries.
Take care