Hi and welcome. Here's what I think:
1. The tree... probably a lost cause. Most young cats are going to be hard on a Christmas Tree, but especially young bengals. Spraying her with water will not help, it will only make her resent and fear you. You cannot punish a bengal from wanting to play with ornaments or climb a tree, it's just too appealing. Your only chance is to put it in a room where you can shut her out of.
2. Peeing on beds... It's pretty obvious what that is... she is stressed and doesn't understand why her family abandoned her. Beds are the place in the house where the scent of her people is the strongest, so it's sacred ground for cats. So what she's doing is "marking". She's in effect saying "they belong to me... wherever they are, and I miss them". I suspect that this problem will go away when she gets older, and understands that you do come back.
3. "Attacking" Kids and dog... From about the ages of 3 months to 12 months or so (how old is she now?) bengal cats are going to be extremely rambunctious, and her people are going to get scratched up. That's just the deal when you get a bengal kitten. What's important is to put that in perspective, understand why she's doing it, and making sure you are helping her (and yourselves) through this phase. Bengal kittens are in training to become adult cats. So they have a really strong need to work on all the cat hunting skills. That means ambushing, pouncing, defending, biting, scratching, fleeing, leaping etc. You can't suppress those urges, especially via punishment. She has those needs, what you need to concern yourselves with, is how to help her satisfy those needs as constructively as you can. You should never be saying "no", what you should be doing is saying "here, let's do this other thing instead". The best ways to help satisfy her extremely high play needs:
a. "Da Bird" types of toys (also Neko flies and flying frenzy toys). Having a really high energy session regularly where she has to sprint and jump, and go up and down stairs or other structures is extremely helpful in burning that energy, helping her meet some of her simulated hunting needs, and also bonding with her.
b. playing "fetch". Many bengals love to do this. Try doing it with straws or some of those little soft balls that they sell in pet stores that a bengal cat get their mouth around but are too big to swallow.
c. cat wheels. Many people get their bengal a cat wheel. My cat Serafina loves to use it. It's a talking point when people come to visit it, and she uses it (even at age 7) to go burn off energy.
4. Climbing walls... Bengals love to climb, and once again, you can't suppress their urge, you can only direct it differently. Getting appropriate things for her to climb is huge. It help with all kinds of behavior problems and is yet another way you can help her burn energy. A good cat tree (the taller the better) is a must. I have 4 in my house. That needs to be at the top of every bengal owner's shopping list. But it's kind of just the beginning. Many people also further "catify" their houses by providing other appropriate climbing opportunities for their cat.
_________________ The little monsters 3
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