Kenny, you have mixed up a lot of terms in that last post. Let me try to explain a bit, although I am no expert on Photos.
First, where pictures are stored depends on how you set it up in Photos. In Photos>Preferences, On the General tab there is an item labeled, "Copy Items to the Photos Library." When you check that box and then import pictures, the files themselves are imported from wherever you had them (Drive, camera, scanner, whatever), and are stored in the Photos Library.PhotosLibrary database. You should NEVER mess with that database directly, as it is just that, a database, and that if it gets mucked up you can lose all of the images stored in it. Once the images are stored in the database you can remove them from the internal drive for more space. (Most of us make a backup of them somewhere else, just in case.)
Note that just below the place for the checkbox it says that, "Only items copied to the library will upload to iCloud Photos." So, if you don't check the box, what does Photos do? Well, in that case it leaves the files wherever they are and expects to find them right there later on. If you move them, Photos will complain that the image is gone.
Inside Photos, the software doesn't use the term "folder" at all. They are Albums and Moments and Libraries, but not folders. That is because Photos doesn't mess with folders. The images are stored in a database and then the database uses indexes to keep track of changes to the images you may make, albums you may put them in, moments in which they may belong, etc. But none of that sorting will affect the file structure of the drive and be visible to you at all. It's all internal to the Photos database. Finder will see nothing, except that the Photos Library will grow over time even if you don't add any new images because it always keeps the original and then keeps all modifications you may make to that original (As long as you check the "copy" box, that is.)
So, while the Apple folks were right, they were not useful to you. I suspect when you imported from the old location that the box was checked, so that as the images were imported they were copied to the database. But when you make a change in Photos that new Album is NOT reflected to the external drive as a folder because that is not how Photos works. It just flagged the images as part of that album and left them right were they were. Even if you had not checked the "copy" box, you still would not have a new folder on the drive as Photos doesn't manipulate folders, it would just change the internal database to say "that file, and that file, and that file all are now part of this album."
Hope that helps some. Also, you can free up some space on your drive as any images that are actually copied into Photos can be removed from the drive as they are now stored in the Photos Library database.
EDIT: Now, if you WANT to create a folder of images from Photos that you have collected into an Album, you can elect to Export the files from Photos and put all of the exported images into a folder. But that is a bit redundant if you have Photos already indexing them as an Album. I have done that a few times when I wanted to send a collection of images to someone, so I create an Album of what I want, then export all the images in that album to a folder to send to the destination. I then delete the folder as the images are still in the Photos Library, so I don't need to waste space.