R scott has a great point! Some of my friends have driveways like yours, it's a pain BUT the reward is you're never surprised by visitors either welcome or unwelcome. People have to make so much noise bringing a vehicle up that you know what is happening.
Also, depending on the length of your driveway, the price figure might not be too far off. If you think a couple grand is bad, get a price for blacktop or
concrete... Around here in extreme western N.C. gravel is pretty cheap, hauling it is expensive! Seems like the gravel for a dump truck load was about 75 bucks the last time I bought it, but the load cost $250 total to have it brought out. A good dirt worker can do
alot with your driveway, if it's got ruts and wash-out then it is not built right and would need complete regrading and then big gravel laid down, smooshed in, then lighter stuff put in after the big stuff has worked it's way into a road bed. You're still going to want a 4x4 because a 2 wheel drive vehicle will tear up a nice gravel driveway if it's very steep. At the very least, keep it in low gear and put a sign up telling visitors to do the same.
Best advice, get the driveway re-worked and gravelled like Rscott said, then buy a cheap
tractor with a box blade so you can keep it in shape yourself... Not sure if that's economically feasible for ya though... OR... something similar to the post about using atv's... you can pick up a beat up old 4x4 SUV pretty cheap, alot cheaper than a nice atv or pickup truck and just use it for going up and down.
If the driveway is as bad as it sounds though, it would probably be in your best interest to go on, bite the bullet and have it fixed right. You can find a decent old tractor for a couple of grand if you keep your eyes out and don't get in a hurry... Depending on what you use it for,
gasoline may be the best route rather than diesel... You can buy them cheaper than diesel tractors and they start in the cold MUCH easier, the biggest drawback is fuel consumption and they will tend to run hot if you're really working them hard for long periods of time.